VAV Motor third-party liability (Kfz Haftpflicht)
Underwritten by VAV Versicherungs-Aktiengesellschaft · Austria
motor third-party liability insurance from VAV for the Austria market, with online purchase.
Verified Aug 26, 2026 · Terms dated 2022Sources
Unique selling points
Selectable liability sums up to EUR 30 million, well above the Austrian statutory minimum of EUR 7.6 million.
Free subsidiary driver liability cover for rental cars in other European countries (Mallorca policy), included from the EUR 10 million coverage level.
VAV Pannenhilfe roadside assistance can be added for emergency breakdown, accident, or theft support anywhere in Europe.
Bonus-malus scale rewards claim-free years down to premium level -2 (37% of base premium), with transfer of prior insurer's bonus level.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€10M – €30M
Legal minimum: €10M
Legal Defence / Cost Coverage
Covered
The policy covers the defence against unfounded third-party claims; court and out-of-court defence costs are charged against the agreed sum insured rather than paid on top, and if claims exceed the sum insured, costs of litigation not initiated by the insurer are only borne proportionally. Where the injured party is insured with VAV as well, the policyholder may choose a lawyer at the insurer's expense.
Section: Artikel 20
Der Versicherungsnehmer oder die mitversicherte Person kann sich in diesem Fall in einem vom geschädigten Dritten angestrengten Rechtsstreit auf Kosten des Versicherers (§ 150 Abs. 1 VersVG) von einem Rechtsanwalt seiner Wahl vertreten lassen, der im Sprengel des für das Verfahren zuständigen Gerichtes seinen Sitz hat.
Green Card / International Cover
Covered
In states for which an International Motor Insurance Card (Green Card) is issued or for which its presentation is waived under the 30 May 2002 agreement between national insurance bureaux, cover extends at least to the level prescribed for foreign-registered vehicles in that state, but never below the contractually agreed scope; cover ends with the end of the insurance contract regardless of any longer validity shown on the card. Signatory states are listed in the AKHB annex (EEA countries plus e.g. Switzerland, UK, Serbia, Andorra).
Section: Artikel 5
Im Gebiet jener Staaten, für die eine Internationale Versicherungskarte (Grüne Karte) ausgestellt oder auf deren Vorlage durch das Übereinkommen zwischen den nationalen Versicherungsbüros der Mitgliedstaaten des Europäischen Wirtschaftsraums und anderen assoziierten Staaten vom 30. Mai 2002, verzichtet worden ist, erstreckt sich die Versicherung jedenfalls auf den in dem betreffenden Staat für Fahrzeuge mit ausländischem Kennzeichen vorgeschriebenen, mindestens jedoch den im Versicherungsvertrag vereinbarten Umfang.
Roadside Assistance
Optional
VAV Pannenhilfe (roadside assistance) is not included in the base MTPL policy but can be added as a paid add-on, providing emergency help for breakdown, accident or theft across Europe.
Section: VAV 24h Pannen-Service
Soforthilfe bei Panne, Unfall oder Diebstahl in ganz Europa: Schließen Sie die VAV Pannenhilfe einfach online zu Ihrer KFZ-Haftpflichtversicherung ab - Sicherheit rund um Ihr Auto im Falle des Falles.
Driver Accident Cover
Excluded
Compensation claims by the vehicle's own driver are explicitly excluded from the MTPL policy; the driver is not covered for their own injuries under this liability product.
Section: Was ist nicht versichert?
Schadenersatzansprüche des Lenkers
Passenger Accident Insurance
Optional
A fixed passenger accident benefit (Fahrzeuginsassenunfall-Versicherung) is not part of the base MTPL policy but is offered by VAV as a separate, purchasable add-on with its own terms (AFIUB); independently, passengers transported with the owner's consent are co-insured persons whose bodily-injury liability claims against the driver/owner are already covered within the combined MTPL liability sum.
Section: Artikel 2
Die Versicherung bezieht sich auf Unfälle (Artikel 7) in ursächlichem Zusammenhang mit dem Lenken, Benutzen, Behandeln, dem Be- und Entladen sowie dem Einweisen des Kraftfahrzeuges oder Anhängers.
Key conditions
Driver restrictions
Cover is restricted or subject to recourse if the driver is not legally licensed to drive, is impaired by alcohol or drugs (only if established by a final administrative or court decision), or fails to observe agreed conditions of vehicle use, subject to a per-obligation deductible of EUR 11,000 (max EUR 22,000 per claim), with unlimited recourse for intentional breaches.
Claim notification deadline
The insurance event, third-party claims, and any administrative or court proceedings must be reported to VAV within one week of becoming aware of them.
Bonus-malus rules
Premium is assessed under a bonus-malus system starting at premium level 9 (98% of base premium); each claim-free observation year (1 Oct-30 Sep) lowers the level by one step (down to -2, 37% of premium), while each chargeable claim raises it by three steps, up to level 17 (230%).
Territorial scope
Cover extends to Europe in the geographical sense, and in any case to all states that signed the Agreement between the National Insurance Bureaux of the EEA Member States and other associated states of 30 May 2002 (Green Card system).
Documents
General Terms and Conditions for Motor Third-Party Liability Insurance (AKHB 2022/A) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document - Motor Liability (opens in a new tab)
Product information sheet · PDF
Information and Legal Notices on Contract Conclusion (opens in a new tab)
Other document · PDF
Policy specifics
Standard Coverage Limits
VAV offers selectable coverage limits for third-party liability insurance ranging from EUR 10 million to EUR 30 million
SourceSection: Haftpflichtversicherung
Wählbare Versicherungssummen: EUR 10 Mio. EUR 15 Mio. EUR 20 Mio. EUR 30 Mio.
Included Driver Liability Insurance for Rental Vehicles
Supplementary driver liability insurance (Mallorca policy) for rental cars in other European countries, included in all policies with a sum insured of EUR 10 million or more
SourceSection: Haftpflichtversicherung
Ab einer Versicherungssumme von EUR 10 Mio. ist eine ergänzende Lenker-Haftpflichtversicherung für Leihwagen im europäischen Ausland / Mallorca-Polizze inkludiert.
Roadside Assistance Optional
VAV Pannenhilfe (roadside assistance) can be added to motor third-party liability insurance for emergency support across Europe
SourceSection: VAV 24h Pannen-Service
Soforthilfe bei Panne, Unfall oder Diebstahl in ganz Europa: Schließen Sie die VAV Pannenhilfe einfach online zu Ihrer KFZ-Haftpflichtversicherung ab - Sicherheit rund um Ihr Auto im Falle des Falles.
Claim Notification Requirement
Policyholders must notify VAV of the insured event within one week of becoming aware of it (Art. 9.3.3 AKHB).
SourceClause Art. 9.3.3Page 3Section: Artikel 9
dem Versicherer längstens innerhalb einer Woche ab Kenntnis den Versicherungsfall unter möglichst genauer Angabe des Sachverhaltes
Written Form Requirement
All applications, notices, and declarations regarding VAV motor insurance contracts must be submitted in writing; email or fax are accepted as written form
SourcePage 2Section: Schriftlichkeit
Versicherungsanträge sowie sämtliche Anzeigen und Erklärungen des Versicherungsnehmers und des Versicherten müssen schriftlich erfolgen bzw. mittels einem dem Empfänger zur Verfügung stehenden und zugänglichen dauerhaften Datenträger übermittelt werden. Als „schriftlich“ gilt auf der Seite des Kunden für diese Vereinbarung neben der Schriftform auch die Zusendung von Nachrichten per E-Mail oder Fax.
Risk Disclosure Obligation
Policyholders must disclose all material risk factors completely and truthfully before contract conclusion and throughout the contract period
SourcePage 2Section: Vorvertragliche Anzeigepflicht
Der Antragsteller und gegebenenfalls die zu versichernde(n) Person(en) ist (sind) gemäß § 16 Versicherungsvertragsgesetz (VersVG) verpflichtet, die Fragen nach den gefahrenerheblichen Umständen richtig und vollständig zu beantworten.
Sources
- vav.athttps://www.vav.at/dam/jcr:03e8b4a0-42d4-4f90-8d1b-8be17db2f5dc/vav.at_Informationen_zum_Vertragsabschluss_Auto.pdf#page=2(opens in a new tab)
- vav.athttps://www.vav.at/dam/jcr:37ecef91-8306-4e42-84cf-15bb4104013c/Bedingung_Insassenunfall_AFIUB_2011.pdf#page=2(opens in a new tab)
- vav.athttps://www.vav.at/dam/jcr:82fb0436-08c3-4310-8c0c-1159d951cbd3/AKHB_2022_A_lang.pdf#page=2(opens in a new tab)
- vav.athttps://www.vav.at/dam/jcr:82fb0436-08c3-4310-8c0c-1159d951cbd3/AKHB_2022_A_lang.pdf#page=3(opens in a new tab)
- vav.athttps://www.vav.at/dam/jcr:82fb0436-08c3-4310-8c0c-1159d951cbd3/AKHB_2022_A_lang.pdf#page=6(opens in a new tab)
- vav.athttps://www.vav.at/dam/jcr:c5f403fa-2d2f-452b-8a97-274225c5f5d9/IPID_Produktinformationsblatt_KFZ_Haftpflicht.pdf#page=1(opens in a new tab)
- vav.athttps://www.vav.at/dam/jcr:c5f403fa-2d2f-452b-8a97-274225c5f5d9/IPID_Produktinformationsblatt_KFZ_Haftpflicht.pdf#page=2(opens in a new tab)
- vav.athttps://www.vav.at/privat/kfz/autoversicherung(opens in a new tab)
VAV Motor third-party liability