muki Motor third-party liability (Kfz Haftpflicht Exklusiv)

Selectable liability sums up to EUR 35 million, well above the Austrian statutory minimum.

Unlimited premium-free claims bonus available in the Premium variant, so at-fault claims do not worsen the bonus-malus class.

Optional EU-wide 24/7 assistance package (breakdown help, towing, replacement car) for about EUR 29 per year.

No surcharge for paying the premium in instalments (monthly, quarterly or half-yearly), apart from the motor-related insurance tax.

Driver restrictions

Cover requires the driver to be legally authorised to drive the vehicle and not impaired by alcohol or drugs under road traffic law, and the vehicle must not carry more people than legally/contractually permitted (Art. 9.2 AKHB); breach can trigger the insurer's release from the duty to pay, except towards the policyholder/co-insured persons who could not, without fault, recognise the breach. Marketing materials further state muki does not accept drivers under 21, including as second registered keeper, accepts mopeds from age 15 (single/two-seater only) and motorcycles from age 21.

Section: Annahmerichtlinien > Annahmerichtlinien für junge Versicherungsnehmer

Keine Annahme von jugendlichen Lenkern unter 21 Jahren (vollendetes 21. Lebensjahr = 21. Geburtstag), auch nicht als 2. Zulassungsbesitzer (Ausnahme: Moped ein- und zweisitzig – Annahme ab Vollendung des 15. Lebensjahres; keine Annahme von Mopedautos vor Vollendung des 23. und Motorrädern vor Vollendung des 21. Lebensjahres)

Claim notification deadline

In case of personal injury, help must be given (or arranged) immediately and the nearest police station notified at once; the insurer must generally be notified within one week of the policyholder becoming aware of the insured event, a third-party claim, or related administrative/court proceedings (Art. 9.3 AKHB); late notification can be cured without loss of cover if the policyholder has already compensated the damage within four weeks and completes notification within six months of the event.

Bonus-malus rules

Where premium is based on claims history (bonus-malus), the policyholder must be informed of how the system works before concluding the contract, and the insurer must issue a claims-history certificate on request (Art. 15 AKHB; § 16 KHVG). muki also offers an internal transfer of bonus-malus classification from a previous insurer under specific conditions (same policyholder, no pending claims, minimum 2 years with the previous insurer, no association malus penalty from level 10 upward).

Territorial scope

Cover extends, unless otherwise agreed, to Europe in the geographical sense, and in any case to the territory of the states that signed the 30 May 2002 agreement between the national insurance bureaus of the EEA member states and other associated states (Green Card agreement area).