Bonus/Malus premium system

Claim-free years improve premium rating; claims increase premium

Extracted from source documents

Tiroler Versicherung Motor third-party liability (Kfz Haftpflicht Standard)

Underwritten by Tiroler Versicherung V.a.G. · Austria

motor third-party liability insurance from Tiroler Versicherung for the Austria market.

Verified Aug 26, 2026 · Terms dated 2017Sources

Compare Motor third-party liability insurers in Austria

Key facts

Tiroler Versicherung

Unique selling points

15% 'Ökobonus' premium discount for owners of electric, natural gas, hydrogen or hybrid vehicles.

Insured sum can be voluntarily raised well above the statutory minimum, up to EUR 20 million, for a low additional premium.

Includes cover for pure financial loss up to EUR 80,000, beyond bodily injury and property damage.

Discounted 'Bonissimo' driver safety training that unlocks a premium bonus for four years.

Personal, local advice and vehicle registration handled directly at twelve TIROLER customer offices.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€8€10€15€20

Legal minimum: €8M

Defence against unjustified claims

Not established from the insurer's documents

The insurance covers both the satisfaction of justified claims and the defence against unjustified damage claims raised against the policyholder or co-insured persons; defence costs are counted against the insured sum (Art. 1 and Art. 6 AKHB).

Third-party source, not the insurer's document

Green Card / international insurance card

Not established from the insurer's documents

In states for which a Green Card is issued (or for which its presentation is waived), cover extends at least to the scope prescribed for foreign-registered vehicles in that state, or to the contractually agreed scope if higher; cover ends with the end of the insurance contract even if the card shows a longer validity.

Third-party source, not the insurer's document

Optional

Roadside assistance (KFZ-Assistance)

Optional

Not included in the base MTPL policy; sold as a separate optional 'KFZ-Assistance' product offering towing/crane recovery after breakdown or accident up to EUR 220, transport-cost reimbursement up to EUR 730 (Austria) / EUR 2,200 (abroad), and alternatively hotel costs up to EUR 60/night (max. 4 nights) or rental-car costs up to EUR 375, plus a 24-hour claims intake line.

Section: KFZ-Assistance > Die S.O.S. 24h KFZ-Assistance beinhaltet: > Kostenübernahme / europaweit* außerhalb des Wohnortes

Transportkostenersatz zur nächsten Werkstätte bis EUR 730,- in Österreich / bis EUR 2.200,- im Ausland (wenn kein Totalschaden vorliegt und das KFZ nicht in 3 Werktagen repariert werden kann) und wahlweise: ... oder: Hotelkosten bis EUR 60,- pro Nacht / versicherte Person (max. 4 Nächte) oder: Mietwagenkosten bis EUR 375,- inkl. Zustell- und Abholkosten des Mietwagens bis zu EUR 50,- pro Strecke

Optional

Driver accident insurance

Optional

The base MTPL liability policy does not cover the driver's own claims (Art. 8.1 AKHB excludes owner/keeper claims; the IPID lists 'Schadenersatzansprüche des Lenkers' as not insured). A separate optional 'Insassen-Unfall-Versicherung' product with freely selectable sums for permanent disability, death, daily allowance and accident costs can be taken out for the driver alone or for all occupants.

Section: Insassen-Unfall-Versicherung > Wie kann man diese versichern?

Frei wählbare Versicherungssummen für dauernde Invalidität, Todesfall, Taggeld und Unfallkosten für alle Fahrzeuginsassen, oder auch nur für den Fahrzeuglenker bei einem Unfall mit dem versicherten KFZ.

Optional

Passenger accident insurance

Optional

Authorised occupants injured in an accident already have recourse as co-insured third parties under the bodily injury liability sum (Art. 2 AKHB). In addition, a separate optional 'Insassen-Unfall-Versicherung' with freely selectable sums for all occupants (permanent disability, death, daily allowance, accident costs) can be purchased, paying out regardless of fault.

Section: Insassen-Unfall-Versicherung > Wie kann man diese versichern?

Frei wählbare Versicherungssummen für dauernde Invalidität, Todesfall, Taggeld und Unfallkosten für alle Fahrzeuginsassen, oder auch nur für den Fahrzeuglenker bei einem Unfall mit dem versicherten KFZ.

Key conditions

Driver restrictions

Cover is jeopardised if the driver lacks a valid licence, drives under the influence of alcohol or drugs, or if more passengers than permitted are carried; breach of these obligations can lead to the insurer being released from EUR 11,000 of liability per breach, up to a maximum of EUR 22,000 per claim (Art. 9 and 11 AKHB).

Claim notification deadline

The insurer must be notified of the claim, any claims raised, and any administrative or judicial proceedings within one week of becoming aware of them (Art. 9.3.3 AKHB, IPID).

Bonus-malus rules

Premium is based on the claims history: one claim-free year improves the premium by one bonus step, while one claim worsens it by three steps; from step 0 only 40% of the base premium is paid, and long-term claim-free drivers can reach special bonus step S03.

Territorial scope

Europe in the geographical sense, and in any case the territory of the states that signed the Multilateral Guarantee Agreement between national insurance bureaus of the EEA member states and other associated states of 30 May 2002.

Documents

General Terms and Conditions for Motor Third-Party Liability Insurance (AKHB, KH17, 2017 edition) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Motor Third-Party Liability Insurance (opens in a new tab)

Product information sheet · PDF

MTPL product page (opens in a new tab)

Policy specifics

Pure financial damage coverage

Coverage for pure financial damage (non-physical loss) up to specified limit

Source

Section: KFZ-Haftpflicht > Die TIROLER KFZ-Haftpflichtversicherung im Überblick > Was ist in der KFZ-Haftpflichtversicherung versichert?

Reine Vermögensschäden bis 80.000,00 Euro.

Defense against unjustified claims

Insurance covers the cost of defending against unjustified damage claims

Source

Section: KFZ-Haftpflichtversicherung > Was ist versichert?

Ihre Versicherung verteidigt Sie aber auch im Falle von unberechtigt gegen Sie erhobene Ansprüche.

Vehicle type coverage limits

MTPL coverage available for cars, estate cars, and vans up to 1.5t payload

Source

Section: KFZ-Haftpflicht > Die TIROLER KFZ-Haftpflichtversicherung im Überblick > Was ist in der KFZ-Haftpflichtversicherung versichert?

Personen- und Sachschäden, die durch die Verwendung des versicherten Fahrzeuges (PKW, Kombi und LKW bis 1,5 t Nutzlast) entstehen, bis zur gesetzlichen Mindestversicherungssumme von 8.000.000 Euro und darüber hinaus.

Environmental vehicle discount

Premium reduction for vehicles with low-emission powertrains

Source

Section: KFZ-Haftpflicht > Die TIROLER KFZ-Haftpflichtversicherung im Überblick > Ihre Vorteile

15 % TIROLER Ökobonus in der KFZ-Haftpflichtversicherung als Besitzer eines Fahrzeuges mit ökologischer Antriebsart (Elektro, Erdgas, Strom, Wasserstoff, Hybrid)

Statutory minimum insurance sum

Base coverage amount required by Austrian law

Source

Section: KFZ-Haftpflicht > Die TIROLER KFZ-Haftpflichtversicherung im Überblick > Was ist in der KFZ-Haftpflichtversicherung versichert?

bis zur gesetzlichen Mindestversicherungssumme von 8.000.000 Euro und darüber hinaus.

Automatic renewal terms

Policy renewal conditions based on contract term

Source