Extracted from source documents

VLV Motor third-party liability (Quattro Haftpflicht)

Underwritten by Vorarlberger Landes-Versicherung V.a.G. · Austria

motor third-party liability insurance from VLV for the Austria market, with 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2020-11Sources

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Key facts

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

Liability limit (covers injury + property damage)

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

€25M

Covered

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.

Page 1

Section: Was ist versichert?

die Befriedigung begründeter ✓ und die Abwehr unbegründeter Schadenersatzforderungen, wenn diese durch die Verwendung des versicherten Fahrzeuges verursacht worden sind.

Green Card / International Motor Insurance Card

No limit stated

Covered

Roadside Assistance

Covered

No limit stated

VLV NotfallHilfe: help if the journey cannot continue after a breakdown (brake, operating or pure breakage damage) or an accident, offered with the QUATTRO Haftpflicht product.

Section: NotfallHilfe

Können Sie wegen einer Panne (Brems-, Betriebs- oder reiner Bruchschaden) oder eines Unfalles Ihre Fahrt nicht fortsetzen, helfen wir Ihnen gerne im Rahmen unserer NotfallHilfe weiter.

Excluded

Driver Accident Cover

Excluded

The IPID explicitly excludes the driver's own damage claims from cover under this liability product.

Page 1

Section: Was ist nicht versichert?

✖ Schadenersatzansprüche des Lenkers

Passenger Accident Cover

No limit stated

Occupants are co-insured for liability purposes (e.g. if they damage another vehicle when opening a door); the liability policy does not include an occupant accident benefit.

Page 1

Section: Was ist versichert?

Mitversichert sind neben Ihnen als Versicherungsnehmer auch der Eigentümer, der Halter, der berechtigte Lenker, Einweiser und Insassen (z.B. wenn dieser die Autotüre unvorsichtig ö net und dadurch ein anderes Fahrzeug beschädigt).

Key conditions

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.

Territorial scope

Coverage applies in Europe in the geographical sense; the scope can be contractually extended.