UNIQA Österreich Versicherungen AG
UNIQA
UNIQA is a motor third-party liability insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
UNIQA directly settles justified third-party compensation claims arising from use of the insured vehicle and defends unjustified claims on the policyholder's behalf, up to the agreed insurance sum
Geographic scope
Europe in the geographical sense, and at least the territory of the states that signed the 2002 Multilateral Guarantee Agreement between the National Insurance Bureaus (Green Card system)
Coverage applies in Europe in the geographical sense; the territorial scope can be contractually extended, e.g. to non-European Mediterranean countries
Unique selling points
- Liability sums up to EUR 30 million, well above the statutory minimum, selectable in three tiers (10/20/30 million).
- 24/7 European Auto PLUS24service roadside assistance included free of charge with the 20 and 30 million Euro liability sums.
- Freischaden-Bonus voucher that prevents a bonus/malus downgrade after a claim is included free of charge in the liability product (stages 0 to P5).
- 25% premium discount on liability insurance for electric vehicles, plus exemption from motor-related insurance tax.
- Dedicated advantages for L17 young drivers in motor liability insurance up to their 24th birthday.
Coverage limits
Bodily injury and property damage liability (lump-sum sum insured)
€10,000,000 – €30,000,000
Only in KOMPAKT, OPTIMAL, PREMIUM
UNIQA pays justified compensation claims for bodily injury and property damage arising from use of the insured vehicle, up to a single lump-sum liability limit chosen by the policyholder: KOMPAKT EUR 10,000,000; OPTIMAL EUR 20,000,000; PREMIUM EUR 30,000,000, plus an additional EUR 80,000 for pure financial loss not classed as personal or property damage.
Bodily injury and property damage liability (lump-sum sum insured)
€10,000,000 – €30,000,000
Only in KOMPAKT, OPTIMAL, PREMIUM
Property damage liability is covered under the same lump-sum sum insured as bodily injury (not a separate sub-limit): KOMPAKT EUR 10,000,000; OPTIMAL EUR 20,000,000; PREMIUM EUR 30,000,000, plus EUR 80,000 for pure financial loss.
Defence against unjustified claims
Covered
UNIQA covers the costs of defending unjustified compensation claims brought against the policyholder or co-insured persons; these defence costs are offset against the liability sum insured, not a separate limit. A standalone Fahrzeug-Rechtsschutz-Versicherung (motor legal protection, sum insured EUR 460,000) can be purchased separately for legal disputes such as claims enforcement, criminal defence, or driving licence disputes.
Green Card / international insurance coverage
Covered
Coverage applies in Europe in the geographical sense and at least in the territory of the states party to the 30 May 2002 Multilateral Guarantee Agreement between National Insurance Bureaus (Green Card states). In countries where an International Motor Insurance Card (Green Card) is issued or its presentation waived, cover extends at least to the minimum scope legally required in that state.
Auto PLUS24service (24/7 roadside assistance)
Conditional
Only in KOMPAKT, OPTIMAL, PREMIUM
24/7 European breakdown and accident assistance (towing, recovery, route planning, child recovery, medical repatriation, spare-parts shipping abroad and more). Included free of charge with the OPTIMAL (20 Mio.) and PREMIUM (30 Mio.) liability sums; selectable as a paid option with the KOMPAKT (10 Mio.) sum. Sub-limits include: breakdown/towing/recovery costs up to EUR 350 (up to EUR 500 for trucks up to 3.5t); accommodation costs of EUR 100 per person per night in case of vehicle breakdown, theft or total loss (at least 50 km from home); rental car costs of up to 7 days and EUR 70/day; pet accommodation after an accident up to EUR 500.
Kfz-Lenkerschutzversicherung (driver protection insurance)
€1,000,000
Only in KOMPAKT, OPTIMAL, PREMIUM
Optional add-on, selectable with any of the three liability tiers (KOMPAKT/OPTIMAL/PREMIUM). Pays regardless of fault for the authorised driver's personal injury sustained while driving the insured vehicle, whenever another party is not (fully) liable to pay compensation - including cases of the driver's own fault. Sum insured EUR 1 million; covers healing/nursing costs, maintenance claims, loss of earnings, household-help costs (up to EUR 50/day, max EUR 5,000 total), pain-and-suffering compensation after hospitalisation, accident-related home renovation costs (up to EUR 50,000), and funeral costs.
Kfz-Unfallversicherung / Kfz-Insassenunfallversicherung (occupant accident insurance)
€15,000 – €100,000
Optional accident insurance paying regardless of fault for all occupants (including the driver), in addition to the Lenkerschutz benefits. Death benefit and permanent-disability benefit vary by chosen variant/tier: KOMPAKT EUR 15,000 death / up to EUR 35,000 permanent disability; OPTIMAL EUR 30,000 death / up to EUR 70,000 permanent disability; PREMIUM EUR 50,000 death / up to EUR 100,000 permanent disability (per the 2020 Leistungsübersicht). The 2026 Leistungsübersicht restructures this as two selectable variants: Variante 1 - EUR 15,000 death / up to EUR 35,000 permanent disability / up to EUR 2,500 repatriation costs; Variante 2 - EUR 50,000 death / up to EUR 100,000 permanent disability / up to EUR 7,000 repatriation costs. Both variants include hospital daily allowance of EUR 30/day if seatbelts were worn, and cover accidents in Austria while travelling by bus, train or scheduled flights within Europe.
Key conditions
Territorial scope
Coverage applies in Europe in the geographical sense and at least in the territory of the states that signed the 30 May 2002 multilateral agreement between National Insurance Bureaus; the territorial scope can be contractually extended (e.g. to non-European Mediterranean countries).
Green card rules
In states for which an International Motor Insurance Card (Green Card) is issued, or whose presentation is waived under the 2002 multilateral agreement, cover extends at least to the scope prescribed in that state for foreign-registered vehicles, or the contractually agreed scope if higher. Cover ends with the end of the insurance contract even if the Green Card shows a later expiry date.
Driver restrictions
Coverage does not apply, or the insurer may seek recourse, if the driver operates the vehicle while impaired by alcohol or drugs, drives without a valid licence, exceeds the agreed use of the vehicle, carries more persons than permitted, or (in case of transfer plates) uses a vehicle not bearing the assigned plates.
Claim notification deadline
The insurance event, any claim raised by a third party, and the initiation of related administrative or criminal proceedings must be reported to UNIQA within one week of becoming aware of them.
Bonus-malus rules
Premiums for eligible vehicle categories are set under a Bonus/Malus stage system (stages P5 to 17, corresponding to 42%-200% of the tariff premium). Each claim-free observation year (1 October-30 September) moves the policyholder one stage toward bonus; each claim charged to the insurer moves the policyholder three stages toward malus. The optional Freischaden-Gutschein voucher can prevent a downgrade after a claim; as of the current Leistungsübersicht this bonus is included free of charge in the Kfz-Haftpflichtversicherung for stages 0 to P5.
Where to buy
Documents
General Terms and Conditions for Motor Third-Party Liability Insurance (ABKH 2019, version December 2023)
Terms & conditions
Insurance Product Information Document - Motor Third-Party Liability Insurance (07.2024)
IPID
Insurance Product Information Document - Motor Third-Party Liability Insurance (03.2019)
IPID
Auto & Frei / Mobilitätsschutz - Benefits overview
Table of benefits
UNIQA Kfz-Haftpflichtversicherung product page
Other document
Policy specifics
Auto PLUS24 Service
Optional roadside assistance service available 24/7 across Europe, includes towing, recovery, breakdown help, and child transportation
SourceFree damage bonus voucher
Optional voucher that prevents downgrade in bonus/malus system after a covered third-party liability claim
SourceElectric vehicle discount
25% premium discount on third-party liability insurance for electric vehicles
SourceBonus/Malus system
Premium adjustment system where policyholders move up one stage toward bonus for each claim-free year, or down three stages toward malus for each at-fault claim
SourceInsurance sum selection
Policyholders can select from three fixed insurance sum options: 10, 20, or 30 million Euro
SourceCovered parties
Coverage extends to the vehicle owner, authorized drivers, passengers, and persons instructing drivers
Source