Reviewed from source documents

Oberösterreichische Versicherung AG

Name: Oberösterreichische Versicherung AG Motor third-party liability
Brand: Oberösterreichische Versicherung AG
SKU: austria-mtpl-ooeversicherung

Oberösterreichische Versicherung

Oberösterreichische Versicherung is a motor third-party liability insurance for the Austria market with no online purchase and limited assistance availability.

Last verified Aug 26, 2026Reviewed by: Boleron EUTerms & conditions: 2023Underwritten by: Oberösterreichische Versicherung AG

Direct payment

As liability insurance, the insurer settles justified claims directly with the injured third party and defends unfounded claims raised against the policyholder or co-insured persons; the insurer is authorised to make all declarations it deems appropriate in the policyholder's name to satisfy or reject the injured party's claims.

Geographic scope

Austria (nationwide)

Coverage applies to Europe in the geographical sense, and in any case to all states that signed the 30 May 2002 agreement between national insurance bureaus of the EEA member states and other associated states; Iceland, Greenland, Spitsbergen, the Canary Islands, Madeira, Cyprus, the Azores and Asian Turkey are excluded from the 'Europe' definition used for the underlying policy conditions.

Unique selling points

Choice of voluntary liability sums up to EUR 30,000,000, nearly four times the statutory minimum of EUR 7,790,000.
No-claims re-rating protection ('Freischaden') from age 23 or automatically via TopKunde status, so a claim does not push the policyholder to a higher bonus/malus level.
No deductibles applied for young policyholders under the MTPL cover.
Won the Recommender-Award 2024 for best claims management among Austrian insurers.
Named 'Kundenchampion' by ÖGVS 2025 for outstanding customer service.

Coverage limits

Bodily injury liability

€7,790,000 – €30,000,000

Austrian MTPL uses a single combined lump-sum (Pauschalversicherungssumme) covering both bodily injury and property damage per claim. The statutory minimum is EUR 7,790,000; policyholders may choose a higher voluntary sum of EUR 9,000,000, 12,000,000, 16,000,000, 20,000,000 or 30,000,000. A separate statutory sum applies additionally for pure financial losses that are neither bodily injury nor property damage, per § 9(5) KHVG.

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Property damage liability

€7,790,000 – €30,000,000

Property damage is covered under the same combined lump-sum (Pauschalversicherungssumme) as bodily injury, ranging from the statutory minimum of EUR 7,790,000 up to a voluntary maximum of EUR 30,000,000 (intermediate options: 9,000,000 / 12,000,000 / 16,000,000 / 20,000,000). A separate statutory sum applies additionally for pure financial losses per § 9(5) KHVG.

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Defence against unfounded claims

Covered

The MTPL cover includes both satisfying justified claims and defending against unfounded liability claims raised against the policyholder or co-insured persons; costs, interest and other ancillary claims are charged against the agreed sum insured.

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Green Card / international insurance card

Covered

In states for which a Green Card is issued, or for which the 30 May 2002 agreement between national insurance bureaus waives its presentation, cover extends at least to the scope prescribed for foreign-registered vehicles in that state, or the scope agreed in the policy if higher; cover ends with the end of the insurance contract even if a longer duration is shown on the Green Card. The insurer's website also allows customers to request a Green Card.

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24h breakdown and accident assistance (Schutzengel Kfz)

€360

Optional 'Keine Sorgen Schutzengel Kfz' package: breakdown/towing assistance up to EUR 360; rental car for up to 5 days (max EUR 120/day); hotel accommodation up to 4 nights (max EUR 100/day); continuation/return journey guarantee; plus travel-emergency benefits across Europe including organisation of medical treatment, medical repatriation up to EUR 25,500, and early return home up to EUR 2,600 in defined emergencies. Available 24 hours a day, 7 days a week, 365 days a year via a single phone number.

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Driver accident insurance (optional)

Optional

An optional passenger accident insurance can be arranged for the driver only, providing financial protection in case of injury or death in an accident, including while boarding/alighting or loading/unloading the vehicle; the sum insured is agreed individually in the policy and is not a fixed published amount.

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Passenger accident insurance (optional)

Optional

Optional financial protection for all passengers (or the driver only) if injured or killed in an accident, with cover extending to accidents while boarding, alighting, loading, unloading or guiding the vehicle; the sum insured is agreed individually in the policy and is not a fixed published amount.

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Key conditions

Territorial scope

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

Green card rules

In the territory of states for which a Green Card is issued, or for which its presentation is waived under the 30 May 2002 agreement, cover extends at least to the scope prescribed for foreign-registered vehicles in that state, or the agreed contractual scope if higher; cover always ends with the end of the insurance contract regardless of any longer duration shown on the Green Card.

Driver restrictions

The driver must be legally entitled to drive the vehicle and must not be impaired by alcohol or drugs under road traffic law; the vehicle must not carry more persons than legally permitted, and agreed conditions on vehicle use must be observed.

Claim notification deadline

The policyholder must notify the insurer of the claim, any claim raised by the injured third party, and the initiation of related administrative or court proceedings within one week of becoming aware of them; failure to comply can lead to full or partial loss of cover.

Bonus-malus rules

For passenger and combination vehicles, premium is set under a 18-level bonus/malus scale (0-17, from 45% to 200% of tariff premium) based on claims history over an observation period from 1 October to 30 September; a new contract starts at level 9 unless a prior claims history is carried over. A claim-free observation period (minimum 9 months, or 6 months if starting at level 9) lowers the premium by one level; each claim charged to the insurer raises it by three levels at the next main due date.