Vorarlberger Landes-Versicherung V.a.G. (VLV)
VLV
VLV is a motor third-party liability insurance for the Austria market with no online purchase and 24/7 assistance.
Direct payment
Für die Kfz-Haftpflichtversicherung gilt in Österreich ein gesetzlicher Direktanspruch des geschädigten Dritten gegen den Haftpflichtversicherer (vergleichbar dem in Deutschland bekannten Direktanspruch nach § 115 VVG), sodass Schadenersatz direkt an den Geschädigten fließt statt über den Versicherungsnehmer. Zusätzlich übernimmt die VLV im Schadensfall bestimmte Kosten direkt: <cite index="3-1">"Ist die Bergung oder Abschleppung des versicherten Fahrzeuges erforderlich, übernehmen wir bis EUR 220,- der anfallenden Kosten."</cite>
Geographic scope
Austria (regional insurer based in Vorarlberg)
Coverage applies in Europe in the geographical sense; the scope can be contractually extended.
Unique selling points
- Coverage sum can be increased up to EUR 25 million, well above the Austrian statutory minimum.
- Claim-free bonus (Freischadenbonus) protects PKW drivers in bonus classes 00-07 from downgrading after an accident.
- Includes subsidiary liability cover for cars, mopeds or motorcycles rented abroad during a trip.
- The territorial scope of geographic Europe can be contractually extended for customers needing broader coverage.
Coverage limits
Bodily Injury Liability
€25,000,000
Covers justified third-party bodily injury claims up to the agreed sum insured; depending on requirements, the sum insured can be increased up to EUR 25 million.
Property Damage Liability
€25,000,000
Covers justified third-party property damage claims up to the agreed sum insured; the sum insured can be increased up to EUR 25 million depending on requirements.
Defence Against Unfounded Claims
Covered
The policy includes the satisfaction of justified claims and the defence against unfounded third-party damage claims arising from the use of the insured vehicle, up to the agreed sum insured.
Green Card / International Motor Insurance Card
No limit stated
Not explicitly detailed as a separate benefit in the reviewed sources for this product.
Roadside Assistance
No limit stated
Not mentioned as part of this MTPL product in the reviewed sources.
Driver Accident Cover
Excluded
The IPID explicitly excludes the driver's own damage claims from cover under this liability product.
Passenger Accident Cover
No limit stated
Occupants are co-insured for liability purposes (e.g. if they cause damage while opening a door), but a dedicated passenger accident (own-injury) benefit is not described for this product in the reviewed sources.
Key conditions
Territorial scope
Coverage applies in Europe in the geographical sense; the territorial scope can be contractually extended.
Green card rules
Not specified in the reviewed product documents.
Driver restrictions
No cover (or right of recourse) applies if the driver is intoxicated or impaired by drugs, does not hold a valid driving licence, does not comply with vehicle-use agreements, or if more persons than permitted are transported.
Claim notification deadline
Damage that triggers administrative or criminal proceedings must be reported to VLV within one week.
Bonus-malus rules
PKW and estate car drivers in bonus classes 00-07 receive a claim-free bonus that can be used if downgraded in the bonus-malus system after an accident; VLV renews the claim-free bonus after 5 claim-free years.
Policy specifics
Claim-Free Bonus
PKW drivers in bonus classes 00-07 can redeem a claim-free bonus if downgraded after an accident, within five years
SourceFlexible Coverage Limits
Coverage limits can be increased up to EUR 25 million depending on requirements
SourceGeographic Scope
Coverage is provided in Europe in the geographic sense; scope can be contractually expanded
SourceExclusion - Intoxication/Impairment
No coverage when driver is intoxicated or substance-impaired
SourceExclusion - Intentional/Gross Negligence
No coverage if damage is caused unlawfully, intentionally, or with gross negligence
Source