Smile Motor third-party liability (Smilecar Mtpl)

EUR 20 million combined liability sum insured, well above the Austrian statutory minimum of about EUR 7.79 million.

Smile says it was the first insurer on the Austrian motor insurance market to offer a monthly cancellation right instead of standard long-term contract lock-in.

Optional Freischadenbonus keeps the bonus-malus premium stage unchanged even after a liability claim.

Smile Assist offers a 24/7, 365-days-a-year emergency roadside hotline as an add-on upgrade.

Driver restrictions

No cover, reduced cover or recourse if the driver is impaired by alcohol or drugs, has no driving licence, agreed conditions of vehicle use are breached, or more persons than permitted are carried; benefits are reduced by the agreed deductible.

Section: Gibt es Deckungsbeschränkungen?

Kein Versicherungsschutz, eingeschränkter Versicherungsschutz oder eine Regressmöglichkeit bestehen, wenn der Lenker alkoholisiert oder suchtgiftbeeinträchtigt fährt

Claim notification deadline

Claims and the initiation of administrative or criminal court proceedings must be reported to Helvetia within one week; in case of personal injury, help must be given and the nearest police station notified immediately.

Section: Welche Verpflichtungen habe ich?

Schäden, die Einleitung verwaltungsbehördlicher oder gerichtlicher Strafverfahren sind der Helvetia Versicherungen AG innerhalb 1 Woche zu melden.

Bonus-malus rules

Under the 'Freischaden Stand Alone für Pkw/Kombi (WKZ 100)' tariff annex, a first claim within an observation period does not trigger bonus-malus re-rating if annual Freischaden (claims-free protection) was agreed and the contract is not terminated before the next main due date; premium-stage surcharges of 7% (stages 00-02) or 13% (stages 03-07) apply for this option, and each further claim in the same observation period raises the premium stage by three levels from the following 1 January.

Territorial scope

Cover applies in Europe in the geographical sense; the territorial scope can be extended by agreement.