Pending review

GARANTA Motor third-party liability (Kfz Haftpflicht)

Underwritten by DONAU Versicherung AG · Austria

motor third-party liability insurance from GARANTA for the Austria market.

Verified Aug 26, 2026 · Terms dated 2023Sources

Unique selling points

Bonus-Malus scale extended to Super Bonus level 5, reaching as low as 30% of the base premium versus the market-standard 50% floor.

Vertrauensbonus grants an internal upgrade of up to 3 bonus/malus levels from level 09 (up to S3); the upgrade is not transferable to another insurer.

Rated "Hervorragend" (Outstanding) in the Motor Liability category at the Versicherungs Award Austria (VAA).

One-stop dealer service covering contract conclusion, claims reporting, repair and direct settlement in a single visit to the partner car dealership.

Claims reported through dealer partners can receive a payment confirmation within 24 hours once all documents are complete.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€7.8M€8M€10M€20M

Legal minimum: €7.8M

Covered

Legal Defence Costs

Covered

Defence against unfounded third-party claims is part of the core MTPL cover within the sum insured, as standard under Austrian MTPL conditions. A separate, dedicated traffic legal expenses insurance (Verkehrs-Rechtsschutz, underwritten by NRV) can additionally be taken out alongside the MTPL policy.

Covered

Green Card

Covered

GARANTA issues the Green Card free of charge to its MTPL policyholders as proof of insurance for countries where the license plate is not accepted as sufficient evidence of cover.

Section: Gut versichert unterwegs – mit der richtigen Kfz-Versicherung > Welche Versicherungen gibt es für Ihr Auto? > Reisen ins Ausland? Denken Sie an die Grüne Karte!

Für andere Länder (z. B. Türkei, Ukraine, Russland) brauchen Sie eine „Grüne Karte“. Diese erhalten Sie kostenlos bei Ihrer Versicherung.

Roadside Assistance

No limit stated

Roadside assistance is not part of the MTPL product.

Driver Accident Cover

No limit stated

There is no separate driver accident cover; the driver is protected under the optional occupant accident insurance (Insassenunfall-Versicherung).

Optional

Passenger Accident Cover

Optional

An Insassenunfall-Versicherung (occupant accident insurance) can be added for an extra premium, providing cover for accident consequences to vehicle occupants regardless of fault, going beyond statutory MTPL.

Section: Unsere Versicherungen im Überblick. > Insassenunfall-Versicherung.

Die Insassenunfall-Versicherung der DONAU Versicherung AG | Team GARANTA bietet Ihnen umfassenden Versicherungsschutz unabhängig davon, wer den Unfall verschuldet hat und geht weit über die gesetzliche Kfz-Haftpflicht hinaus.

Key conditions

Driver restrictions

Policies can generally be concluded from age 18. A deductible applies in case of a claim if the driver at the wheel is under 24 years old while the policyholder is 24 or older.

Claim notification deadline

Claims must be reported to GARANTA / the dealer partner promptly; electronic transmission of claim reports and photos via dealer partners enables a payment confirmation within 24 hours if all documents are complete.

Bonus-malus rules

Premiums follow the Austrian Bonus-Malus system; GARANTA extends the scale up to Super Bonus level 5 (30% of the base premium), beyond the market-standard level 0 (50%). A liability claim causes a downgrade of 3 bonus/malus levels (not applicable to comprehensive/casco claims).

Territorial scope

Standard Austrian MTPL territorial scope: geographic Europe and all countries covered by the Green Card multilateral agreement.

Documents

General Terms and Conditions for Motor Third-Party Liability Insurance (effective 1.7.2012) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions for Motor Third-Party Liability Insurance (AKHB 2023) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Minimum and Optional Coverage Limits

Statutory minimum sum insured of EUR 7.79 million; optional higher limits of EUR 8, 10, or 20 million available

Source

Section: Kfz-Haftpflicht-Versicherung. > Die Kfz-Haftpflicht-Versicherung von Team GARANTA bietet 5 zusätzliche Superbonusstufen.

Die gesetzlich vorgeschriebene Mindestversicherungssumme in der Kfz-Haftpflicht-Versicherung beträgt 7,79 Millionen Euro. Wenn Sie Ihr Auto versichern lassen möchten, können Sie aber auch höhere Versicherungssummen wählen: 8 Millionen, 10 Millionen und 20 Millionen Euro.

Direct Claims Settlement

GARANTA offers direct settlement with authorized car dealers (Autohäuser); payment confirmation within 24 hours if all documents are complete

Source

Trust Bonus (Vertrauensbonus)

Internal improvement of bonus/malus level by up to 3 levels in third-party liability and comprehensive insurance; available from level 09, limited to bonus level S3

Source

Section: Kfz-Haftpflicht-Versicherung. > Besondere Leistungen der Kfz-Haftpflicht-Versicherung für Ihr Auto:

Der Vertrauensbonus ermöglicht die interne Besserstufung um bis zu drei Bonus-/Malus-Stufen in der Kfz-Haftpflichtversicherung und Kfz-Vollkasko-Versicherung. Die Vergabe beginnt ab der Stufe 09 und ist bis zur Bonusstufe S3 begrenzt.

Deductible for Drivers Under 24

Not established from the insurer's documents

In case of damage, a deductible is charged for drivers under 24 years old if the policyholder is 24 or older

SourceThird-party source, not the insurer's document

Section: Garanta Autoversicherung

Für Lenker unter 24 Jahren wird im Schadensfall ein Selbstbehalt verrechnet, sofern der Versicherungssnehmer bereits über 24 ist.

Consideration of Prior Claims History

At initial classification with GARANTA, previous claims history with prior insurers (Austria or EU) is taken into account; adjusted annually within bonus/malus system

Source

Section: Kfz-Haftpflicht-Versicherung. > Die Kfz-Haftpflicht-Versicherung von Team GARANTA bietet 5 zusätzliche Superbonusstufen.

Im Zuge der Ersteinstufung bei uns wird Ihr bisheriger Schadenverlauf bei Vorversicherern (in Österreich bzw. in der EU) zugrunde gelegt und anschließend jährlich im Rahmen des Bonus/Malus Systems angepasst.

Sources