Insurer profile

Smile Insurance Agency & IT Solutions GmbH

Smile Insurance Agency & IT Solutions GmbH · Austria

Founded 2022Vienna, AustriaLast verified Aug 25, 2026

Overview

Smile is the fully digital direct-insurance brand of Helvetia in Austria, operated through Smile Insurance Agency & IT Solutions GmbH, a Vienna-based insurance agency wholly owned by Helvetia Versicherungen AG; launched in Austria in October 2022, it lets customers buy and manage motor and household insurance entirely online with a monthly right of cancellation.

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Company details

Parent group: Helvetia Versicherungen AG / Helvetia Group (Helvetia Holding AG)
Regulator: Austrian Financial Market Authority (FMA)
Phone: +43 50 222 1919
Email: [email protected]

Official website

Products from Smile Insurance Agency & IT Solutions GmbH

Motor

smile.car – Motor Third-Party Liability Insurance

Compulsory motor liability insurance for cars, bookable entirely online with a monthly right of cancellation.

smile.car – Partial/Fully Comprehensive Cover (Kasko)

Optional partial or fully comprehensive cover add-on to smile.car for own-vehicle damage such as theft, fire, natural hazards, and self-inflicted accidents.

Property

smile.home – Household Contents Insurance

Online household contents insurance covering theft, fire/natural hazards and water damage, reimbursed at replacement value.

Health

smile.car – Occupant Accident Cover (add-on)

Optional occupant accident insurance add-on that can be booked together with smile.car to cover injuries to vehicle occupants.

Liability

Private Liability Insurance (included in smile.home)

Private liability cover bundled with smile.home, covering damages up to EUR 1.5 million in Europe or worldwide, with an option to increase cover to EUR 3 million.

Regulatory updates

Smile's insurance products are underwritten under the insurance concession of Helvetia Versicherungen AG, granted by the FMA (Otto-Wagner-Platz 5, 1090 Vienna) under the Austrian Insurance Supervision Act 2016 (VAG 2016). In March 2025, the Austrian Society for Consumer Studies (ÖGVS) named smile.car the best motor insurance product in Austria, ahead of 16 other insurers, underscoring Smile's fast market establishment less than two years after entering Austria.

Reputation and reviews

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Casco (own-damage car insurance)

casco (own-damage car insurance) from Smile for the Austria market, with online purchase and 24/7 assistance.

Last verified Aug 26, 2026

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Motor third-party liability

motor third-party liability insurance from Smile for the Austria market, with online purchase.

Last verified Aug 26, 2026

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