NV Motor third-party liability (Kfz Haftpflicht)
Underwritten by Niederösterreichische Versicherung AG · Austria
motor third-party liability insurance from NV for the Austria market, with online purchase and 24/7 assistance.
Verified Sep 12, 2026 · Terms dated 2023Sources
Unique selling points
Insured sum selectable up to EUR 20 million, well above the EUR 7.79 million statutory minimum.
Rental-car MTPL protection abroad (Mietwagenschutz) is automatically included in the premium when the EUR 20 million insured sum is chosen.
A dedicated premium discount is granted for fully electric vehicles on both MTPL and Casco.
Young drivers under the 'Startplus' programme get a 65% premium discount by starting directly in bonus level 0 instead of level 9.
The Green Card is issued free of charge with the policy and again annually, and can also be requested any time via the MEINE NV customer portal.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal minimum: €8.5M
Defence against unjustified claims
Covered
No limit stated
The object of the insurance includes both satisfying justified claims and defending unjustified third-party claims raised against the policyholder or co-insured persons. Costs, interest and other ancillary charges are credited against (and thus share) the combined insured sum rather than having a separate limit.
Section: Artikel 1 > Was ist Gegenstand der Versicherung?
Die Versicherung umfasst die Befriedigung begründeter und die Abwehr unbegründeter Ersatzansprüche
Green Card (international insurance certificate)
Covered
No limit stated
NV issues the Green Card free of charge together with the policy and again annually at the main due date; it is mandatory to carry in some countries and confirms MTPL cover for foreign travel.
Wir übermitteln Ihnen kostenlos die Grüne Karte mit Ihrer Polizze und jährlich zu Ihrer Hauptfälligkeit
Roadside assistance (Kfz-Soforthilfe)
Optional
No limit stated
Roadside assistance is not automatically included in the MTPL policy; NV offers it as a separate, chargeable product called 'Kfz-Soforthilfe', providing breakdown help, vehicle recovery, interpreter arrangement abroad and a 24/7 hotline.
Nein, die Pannenhilfe ist nicht kostenlos. Die NV bietet dazu die Kfz-Soforthilfe an
Driver accident cover
Optional
No limit stated
The driver has no claim against their own MTPL policy for their own injuries; NV offers accident protection for the driver as an optional separate 'Kfz-Insassenunfall' policy, e.g. permanent disability from an invalidity level of 51% per the injury scale, selectable in addition to MTPL.
Dauernde Invalidität ab einem Invaliditätsgrad von 51% lt. Gliedertaxe
Passenger accident cover
Optional
No limit stated
Injured passengers can claim pain-and-suffering, property damage and loss of earnings from the at-fault MTPL insurer; NV additionally offers a dedicated, optional 'Kfz-Insassenunfall' policy (NV Toppaket) for all occupants, paying a EUR 100,000 one-off sum for permanent invalidity of 51% or more per the injury scale and EUR 10,000 on death, plus a 24/7 accident hotline, on top of statutory/MTPL benefits.
Section: Details zur Kfz-Insassenunfallversicherung > NV Toppaket
Dauernde Invalidität ab einem Invaliditätsgrad von 51% lt. Gliedertaxe Einmalleistung € 100.000,-; im Todesfall € 10.000,-
Key conditions
Driver restrictions
Obligations affecting cover include: the driver must be legally licensed to drive the vehicle, must not be impaired by alcohol or drugs, and the vehicle must not carry more passengers than legally permitted; breach of these can lead to the insurer being free from its obligation to pay, subject to statutory limitations.
SourceClause Artikel 9.2Page 6Section: Artikel 9 > Was ist vor bzw. nach Eintritt des Versicherungsfalles zu beachten? (Obliegenheiten)
dass der Lenker zum Lenken des Fahrzeuges kraftfahrrechtlich berechtigt ist
Claim notification deadline
The policyholder must notify the insurer of the insured event, the claim raised by the injured third party, and the initiation of any related administrative or court proceedings, within one week of becoming aware, unless the policyholder has already compensated the injured party directly.
SourceClause Artikel 9.3.3Page 6Section: Artikel 9 > Was ist vor bzw. nach Eintritt des Versicherungsfalles zu beachten? (Obliegenheiten)
dem Versicherer längstens innerhalb einer Woche ab Kenntnis
Bonus-malus rules
Premium is calculated based on claims history, evidenced by a loss statement (Schadenverlaufsbescheinigung) issued under Section 16 KHVG, applied per Article 15 of NV's AKHB. Loss statements from other EEA contracting states are treated the same as Austrian ones.
SourceClause Artikel 15Page 9Section: Artikel 15 > Welche Rechte hat der Versicherungsnehmer bei der Vereinbarung eines Bonus-Malus-Systems?
ist der Versicherungsnehmer vor Abgabe seiner Vertragserklärung über die Funktion des angewendeten Bonus-Malus-Systems zu informieren
Territorial scope
Cover extends to Europe in the geographical sense, and in any case to the states that signed the Multilateral Guarantee Agreement between the national insurance bureaus of the EEA member states and other associated states of 30 May 2002.
Documents
VVO model conditions for Motor Third-Party Liability Insurance (AKHB 2023, non-binding association template) (opens in a new tab)
Terms & conditions · PDF
Product Information Sheet - Motor Third-Party Liability Insurance (opens in a new tab)
Product information sheet · PDF
Claim notification form - MTPL insurance (opens in a new tab)
Other document · PDF
Policy specifics
Rental car protection (Mietwagenschutz)
Coverage for rental vehicles in case of damage abroad (Europe)
SourceSection: FAQs - Häufig gestellte Fragen
Ja, wenn Sie den Mietwagenschutz der NV aktiviert haben. Damit steht Ihnen bei einem Schadenfall im Ausland (Europa im geographischen Sinn) – unabhängig von den örtlichen Bedingungen – bis zu € 7,6 Mio. Versicherungssumme in der Kfz-Haftpflichtversicherung zur Verfügung.
Green Card (International insurance certificate)
International insurance certificate provided free of charge for coverage confirmation in Europe
SourceSection: FAQs - Häufig gestellte Fragen
Wir übermitteln Ihnen kostenlos die Grüne Karte mit Ihrer Polizze und jährlich zu Ihrer Hauptfälligkeit.
Selectable coverage limits
Motor Third-Party Liability insured sums are selectable from EUR 8.5 million (NV base cover, above the EUR 7.6 million statutory minimum) up to EUR 20 million
SourceSection: Details zur Kfz-Haftpflichtversicherung
Versicherungssummen € 8,5 Mio. bis zu € 20 Mio.
Electric vehicle discount
Special premium discount (Öko-Rabatt) on MTPL and Casco insurance for electrically powered vehicles
SourceSection: Öko-Rabatt für E-Fahrzeuge
Wir unterstützen Sie dabei: mit speziellem Prämiennachlass für elektrisch angetriebene Kraftfahrzeuge in Ihrer Haftpflicht- und Kaskoversicherung.
Territorial scope of MTPL coverage
Cover extends to Europe in the geographical sense, and in any case to the states that signed the Multilateral Guarantee Agreement between national insurance bureaus of EEA member states and other associated states of 30 May 2002
SourceClause Art. 4.1Page 3Section: Artikel 4 > Wo gilt die Versicherung ? (Örtlicher Geltungsbereich)
Der Versicherungsschutz erstreckt sich - soweit nichts anderes vereinbart ist - auf Europa im geographischen Sinn, jedenfalls aber auf das Gebiet jener Staaten, die das Übereinkommen zwischen den nationalen Versicherungsbüros der Mitgliedsstaaten des Europäischen Wirtschaftsraums und anderen assoziierten Staaten vom 30. Mai 2002, Abl. Nr. L 192 vom 31. Juli 2003, S. 23 unterzeichnet haben (siehe Anlage).
Sources
- vvonet.vvo.athttps://vvonet.vvo.at/vvo/vvonet_website.nsf/sysPages/AKHB_2023.html/$file/AKHB_2023.pdf#page=3(opens in a new tab)
- vvonet.vvo.athttps://vvonet.vvo.at/vvo/vvonet_website.nsf/sysPages/AKHB_2023.html/$file/AKHB_2023.pdf#page=4(opens in a new tab)
- vvonet.vvo.athttps://vvonet.vvo.at/vvo/vvonet_website.nsf/sysPages/AKHB_2023.html/$file/AKHB_2023.pdf#page=6(opens in a new tab)
- vvonet.vvo.athttps://vvonet.vvo.at/vvo/vvonet_website.nsf/sysPages/AKHB_2023.html/$file/AKHB_2023.pdf#page=9(opens in a new tab)
- nv.athttps://www.nv.at/kfz-haftpflicht.html(opens in a new tab)
- nv.athttps://www.nv.at/kfz-insassenunfall.html(opens in a new tab)
- nv.athttps://www.nv.at/kfz.html(opens in a new tab)
NV Motor third-party liability