Reviewed from source documents

Smile Insurance Agency & IT Solutions GmbH

Name: Smile Insurance Agency & IT Solutions GmbH Motor third-party liability
Brand: Smile Insurance Agency & IT Solutions GmbH
SKU: austria-mtpl-smileinsurances

Smile

Smile is a motor third-party liability insurance for the Austria market with online purchase and limited assistance availability.

Last verified Aug 26, 2026Reviewed by: Boleron EUUnderwritten by: Helvetia Versicherungen AG

Online purchase

Direct payment

Premiums are paid monthly by direct debit (SEPA) or payment slip; instalment payment does not affect the due date of the annual premium.

Geographic scope

Austria

Cover applies in Austria and extends to accidents in the EU, Iceland, Liechtenstein, Norway and Switzerland via the Green Card / International Motor Insurance Card system.

Unique selling points

EUR 20 million combined liability sum insured, well above the Austrian statutory minimum of about EUR 7.79 million.
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.
Fully digital, 100% online quote-to-policy process without traditional insurance agents.

Coverage limits

Bodily injury and property damage liability (combined sum insured)

€20,000,000

Smile's Kfz-Haftpflichtversicherung protects against third-party claims for personal injury, property damage and pure financial loss up to a single combined sum insured of EUR 20 million, well above the Austrian statutory minimum of about EUR 7.79 million.

Source

Property damage liability (part of combined sum insured)

€20,000,000

Property damage claims are covered under the same combined EUR 20 million sum insured as bodily injury and pure financial loss claims; it is not a separate additional limit.

Source

Legal defence / passive legal protection

No limit stated

The reviewed Smile Austria sources do not specify whether passive legal defence against unjustified third-party claims is included in the MTPL policy or sold as a separate legal-protection product.

Source

International Motor Insurance Card (Green Card)

Covered

Smile's Austrian data-protection notice confirms that claims arising from accidents in an EU member state or in Iceland, Liechtenstein, Norway or Switzerland involving a vehicle registered there can be pursued in the policyholder's home country under the Green Card / International Motor Insurance Card system; specific per-country coverage limits are not stated in the reviewed sources.

Source

Smile Assist 24/7 roadside assistance

Optional

Smile Assist is an optional upgrade providing round-the-clock roadside assistance (365 days a year) for breakdowns, accidents or theft via a single emergency hotline; it is governed by its own terms (Allgemeine Bedingungen für die Kfz-Assistance – 488964/2506) and is not included in the base MTPL policy.

Source

Driver accident cover (Kfz-Insassenunfallversicherung)

Optional

Accident cover for the driver is offered as an optional Kfz-Insassenunfallversicherung (also known as Lenkerschutzversicherung), governed by its own terms (Allgemeine Bedingungen für die Kfz-Insassenunfallversicherung – 414955/2506); it is not part of the base MTPL liability cover.

Source

Passenger accident cover (Kfz-Insassenunfallversicherung)

Optional

Cover for injuries to passengers/occupants is available as part of the optional Kfz-Insassenunfallversicherung add-on and is not included in the base MTPL liability policy.

Source

Key conditions

Territorial scope

The MTPL policy provides cover in Austria and, per Smile's data-protection notice, extends to accidents in other EU member states and in Iceland, Liechtenstein, Norway and Switzerland, where claims can be pursued via the Green Card / International Motor Insurance Card system.

Green card rules

Green Card / International Motor Insurance Card processing is referenced in Smile's data-protection information for claims involving vehicles registered in EU/EEA countries and Switzerland; the reviewed sources do not detail issuance procedures or extended-country cover specifically for Smile Austria policyholders.

Driver restrictions

The reviewed Smile Austria sources do not state any restriction on who may drive the insured vehicle under the MTPL policy.

Claim notification deadline

The reviewed MTPL-specific documents do not state a claim notification deadline; the one-week reporting deadline found in Smile's general/household liability IPID concerns a different product and is not applied here.

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.