GRAWE
GRAWE is a motor third-party liability insurance for the AT market with no online purchase and limited assistance availability.
Direct payment
Claims are paid directly to third parties up to the agreed insurance sum. The insurer is authorized to make declarations in the name of the policyholder for satisfaction or defense of third-party claims within the insurance sum. The insurer handles defense of unjustified claims on behalf of the insured.
Geographic scope
AT
Europa im geographischen Sinn, jedenfalls alle Staaten die das Grüne-Karte-Übereinkommen vom 30. Mai 2002 unterzeichnet haben; vertraglich erweiterbar
Unique selling points
- 'SchadenFreude' option guarantees no premium increase after the first at-fault claim – a concrete protection not legally required of any Austrian MTPL insurer.
- Lump-sum coverage options of EUR 10, 15 or 20 million – well above the Austrian statutory minimum of EUR 7.79 million.
- Comprehensive one-stop service: GRAWE handles vehicle registration (Kfz-Zulassung) directly at its own registration offices across Austria, combining insurance and plate issuance in a single visit.
- Modular product ecosystem (GRAWE AUTOMOBIL) combining MTPL, Casco, passenger accident, legal protection and roadside assistance under one insurer with a multi-product discount.
- Integrated Bonus-Malus system with super-bonus levels (GS1–GS6) reducing the premium to as low as 45% of the base tariff, rewarding long-term claim-free policyholders beyond the statutory scale.
Coverage limits
Bodily Injury Liability
Covered
Covers justified compensation claims for personal injury or death caused by the insured vehicle up to the agreed lump-sum insurance amount (Pauschalversicherungssumme) covering personal injury, property damage and pure financial loss combined. Available coverage sums of EUR 10, 15 or 20 million.
Property Damage Liability
Covered
Covers justified compensation claims for property damage caused by the insured vehicle up to the agreed lump-sum insurance amount combined with bodily injury and financial loss. Available coverage sums of EUR 10, 15 or 20 million.
Legal Defence / Defense of Unjustified Claims
Covered
The insurer is obligated to defend against unjustified third-party claims, including conducting litigation on behalf of the insured and appointing a lawyer, without a separate monetary limit stated for this service. Costs of litigation are borne by the insurer subject to proportional reduction if claims exceed the insurance sum.
Green Card (International Insurance Certificate / IVK)
Covered
The policy extends coverage throughout Europe in the geographic sense and to all states that have signed the Green Card agreement of 30 May 2002. In those states, coverage applies at least to the minimum prescribed for foreign-registered vehicles or the contractually agreed amount. The territorial scope can be contractually extended.
Roadside Assistance (GRAWE MOBIL COMPLETE)
Optional
Roadside assistance is not included in the base MTPL policy. It is available as a separate add-on product called GRAWE MOBIL COMPLETE, which covers on-site help, towing, recovery, spare parts delivery, accommodation, return journey, vehicle repatriation, and more. GRAWE MOBIL COMPLETE is not a legally independent contract and must be linked to the underlying MTPL policy.
Driver Accident Cover
Excluded
The base MTPL policy does not cover personal accident benefits for the at-fault driver. Coverage for the driver in case of a self-caused accident is explicitly stated as not provided by the MTPL. An optional Insassen-Unfallversicherung (passenger accident insurance) add-on is available that can cover the driver.
Passenger Accident Insurance (Insassen-Unfallversicherung)
Optional
Passenger accident insurance is not included in the base MTPL. It is available as an optional add-on. Under the seat system (Platzsystem), the same agreed insurance sum applies for each licensed seat in the vehicle. The policyholder can choose to insure only the driver or all vehicle occupants. Covers death and permanent disability resulting from a traffic accident regardless of fault.
Key conditions
territorial_scope
Coverage applies throughout Europe in the geographic sense and to all states party to the Green Card agreement of 30 May 2002. In countries requiring a Green Card, coverage applies at least to the local minimum or the contractually agreed sum, whichever is higher. The territorial scope can be contractually extended beyond Europe. Coverage is not interrupted during water transport if loading/unloading points are within the territorial scope.
green_card_rules
The Green Card (Internationale Versicherungskarte / IVK) serves as proof of valid MTPL coverage abroad. Coverage under the Green Card extends to all signatory states of the 2002 agreement. The Green Card coverage expires upon termination of the insurance contract even if the card shows a later expiry date. If the insurer is obligated to pay under foreign law but not under the insurance contract, it may seek reimbursement from the policyholder.
driver_restrictions
The driver must be legally entitled to drive the vehicle (valid driving licence). Driving under the influence of alcohol or drugs (as established by final administrative or court decision) constitutes a breach of duty. In cases of breach by the driver, the insurer remains liable to the policyholder and other insured persons (except the driver) if the breach was not recognisable without fault. Driving licence rules for persons with foreign licences residing in Austria apply per KFG § 64.
claim_notification_deadline
The insured must notify the insurer in writing within 1 week of becoming aware of: the insured event (with as detailed a description as possible), any claim raised by the injured third party, and the initiation of any related administrative or court proceedings. In case of personal injury, the nearest police station must be notified immediately and assistance rendered. If the policyholder has settled the damage within 4 weeks of the event, the notification deadline is extended to 6 months from the event.
bonus_malus_rules
The Bonus-Malus system applies to passenger cars, combination vehicles, and light trucks up to 1 tonne payload. New policyholders start at level 9 (100% of tariff premium). After each claim-free observation period (1 October to 30 September), the premium is reduced by one level at the next main due date. Each chargeable claim results in an upgrade of 3 levels towards malus. The scale runs from super-bonus levels GS1–GS6 (45–47.5% of tariff premium) through level 0 (50%) to level 17 (200%). The observation period must have lasted at least 9 months (6 months if starting at level 9) to qualify as claim-free. Claim history certificates per § 16 KHVG are recognised. The policyholder may reimburse paid claims within 6 weeks to prevent a malus reclassification.
Where to buy
Documents
IPID Informationsblatt KFZ-Haftpflichtversicherung (BIB 01/2018)
ipid
Policy specifics
Bonus-Malus System
Tiered premium adjustment system based on claim history; ranges from superbonus level GS1 (best) to level 17 (worst), with level 0 representing 50% of the tariff premium
'SchadenFreude' – First Claim Premium Waiver
Optional feature that waives premium increase on first claim
European Coverage
Coverage extends throughout Europe in the geographic sense, covered by the Green Card system (International Insurance Card - IVK)
Insured Persons
Coverage includes vehicle owner, authorized driver, passengers, and persons instructing the driver
Mandatory Vehicle Registration
Motor MTPL insurance is mandatory in Austria; required to obtain license plates (Kennzeichen) and register vehicle
Insurable Risks - Liability Coverage
Covers justified compensation claims for personal injury, property damage, and pure financial loss caused by insured vehicle; defends against unjustified claims
Damage Reporting Obligation
Insured must report all claims, damages, and initiation of administrative or court proceedings within 1 week to Grawe
Risk Disclosure and Compliance Obligations
Insured must provide complete and honest information about insured risk before and during contract term; must not materially increase or extend insured risk