Wiener Städtische Motor third-party liability (Kfz Haftpflicht Los Fahren)
Underwritten by WIENER STÄDTISCHE Versicherung AG Vienna Insurance Group · Austria
motor third-party liability insurance from Wiener Städtische for the Austria market, with online purchase and 24/7 assistance.
Verified Aug 25, 2026 · Terms dated 2025-06-17Sources
Unique selling points
Liability cover starts at EUR 10 million with no extra premium, well above Austria's statutory minimum sum.
24-hour roadside assistance is automatically included once the EUR 30 million Premium sum is chosen.
The 'Bonusretter' add-on protects your bonus level (stages 0-3) after an at-fault accident for a few euros extra per month.
Household partners and children benefit from the policyholder's low bonus level under the family advantage.
Premiums are reduced for low-CO2, electric and hybrid vehicles under a dedicated Electric/Hybrid vehicle package.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal minimum: €10M
Defence Against Unjustified Claims
Covered
The policy covers the satisfaction of justified and the defence of unjustified third-party claims, within the agreed insurance sum; related legal costs are charged against that sum. This is distinct from the separately branded, optional Kfz-Rechtsschutz (motor legal protection) product offered up to EUR 200,000, which is not part of this MTPL policy.
Section: Was ist versichert?
die Abwehr unberechtigter Ansprüche Beide Punkte gelten im Rahmen der vereinbarten Versicherungssumme.
Green Card / International Insurance Card
Covered
In states for which a Green Card is issued, or where its presentation is waived under the Multilateral Agreement, cover extends at least to the scope prescribed for foreign-registered vehicles in that state, or the scope agreed in the contract if higher. No separate monetary limit is stated.
Section: Artikel 5 > Wie ist der Versicherungsschutz für das Ausland geregelt?
Im Gebiet jener Staaten, für die eine Internationale Versicherungskarte (Grüne Karte) ausgestellt oder auf deren Vorlage durch das Übereinkommen ... 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 (Pannenhilfe)
Conditional
Roadside assistance is selectable as an add-on under the Basic tier (EUR 10 million sum). It is automatically included with no extra premium once the Premium tier (EUR 30 million sum) is chosen. Liability cover for driving rented motor vehicles abroad is included as a fixed benefit in both tiers.
Section: Unsere Produktlösungen
Pannenhilfe ○ ● gemietete Kraftfahrzeuge im Ausland ● ● O wählbar ● fix
Driver Accident Insurance
Optional
Driver accident insurance ('Airbag' cover) is offered as an optional extra alongside the motor liability policy; no specific sum insured is published and it must be requested separately.
Key conditions
Driver restrictions
Cover requires that the driver be legally authorised to drive (valid licence), not impaired by alcohol or drugs, and that the maximum permitted number of passengers not be exceeded; breach of these obligations can lead to full or partial exemption of the insurer from payment.
Claim notification deadline
The insurer must be notified of the insured event, any claim raised by an injured third party, or the initiation of related administrative or court proceedings within one week of becoming aware of it.
Bonus-malus rules
Premium is based on claims history under a bonus-malus system ranking each vehicle, by holder, on a scale from stage 0 to stage 17. Every claim-free year moves the stage one step toward 0 (bonus); a claim the insurer must cover moves it one step toward 17 (malus). The current stage is transferred when switching vehicle or insurer, verified via a central register of the Austrian insurance association.
Territorial scope
Europe in the geographical sense, and in any case the territory of all states that signed the Multilateral Agreement between the national insurance bureaus of the EEA member states and other associated states of 30 May 2002 (Green Card states).
Documents
IPID - Motor Third-Party Liability Insurance (opens in a new tab)
Product information sheet · PDF
General Terms and Conditions Motor Third-Party Liability (1015A) (opens in a new tab)
Terms & conditions · PDF
Coverage Overview - Motor Third-Party Liability (opens in a new tab)
Table of benefits · PDF
Auto & Fahren (los.fahren) Product Folder (opens in a new tab)
Other document · PDF
Policy specifics
Minimum Coverage Sum
Legally required minimum motor third-party liability coverage of EUR 7.6 million combined for personal injury and property damage
SourcePage 1Section: Versicherungssumme
Gesetzlich sind derzeit EUR 7,6 Mio. vorgeschrieben.
Third-Party Direct Claim
Damaged third parties are entitled to directly claim compensation from the motor third-party liability insurer
SourceClause § 24 KHVG (1)Page Seite 8 von 12Section: Anhang > § 24 KHVG
Ist der Versicherer von der Verpflichtung zur Leistung dem Versicherungsnehmer gegenüber ganz oder teilweise frei, so bleibt gleichwohl seine Verpflichtung in Ansehung des Dritten bestehen.
Liability Cover for Rented Vehicles Abroad
Driver liability cover for rented motor vehicles used abroad is included as a fixed benefit in both the Basic and Premium tiers of the product.
SourcePage 1Section: Unsere Produktlösungen
gemietete Kraftfahrzeuge im Ausland ● ●
Co-insured Persons
Coverage extends to vehicle owner, keeper, and persons using the vehicle with keeper's consent or being transported in it
SourceClause Art. 2.1Page Seite 1 von 12Section: Artikel 2 > Wer sind mitversicherte Personen...
Mitversicherte Personen sind der Eigentümer, der Halter und Personen, die mit Willen des Halters bei der Verwendung des Fahrzeuges tätig sind oder mit dem Fahrzeug befördert werden oder die den Lenker einweisen.
Preliminary Coverage
Preliminary motor third-party liability coverage begins with vehicle registration confirmation and continues until policy is received
SourceSection: An-/Abmeldung und Kennzeichentafeln
Mit Ausstellung der Versicherungsbestätigung im Zuge der Kfz-Zulassung sind Sie bereits Haftpflicht versichert - noch bevor Sie Ihre Polizze erhalten. Hierbei handelt es sich um eine "vorläufige" Deckung.
Loss Limitation for Misconduct
If the policyholder breaches an obligation or increases the risk, the insurer's exemption from payment is limited to EUR 11,000 per breach and at most EUR 22,000 in total per insured event.
SourceClause Art. 11.1Page Seite 4 von 12Section: Artikel 11 > Inwieweit ist die Leistungsfreiheit des Versicherers bei Verletzung einer Obliegenheit oder einer Erhöhung der Gefahr beschränkt?
Die Leistungsfreiheit des Versicherers wegen Verletzung einer Obliegenheit oder einer Erhöhung der Gefahr ist mit je EUR 11.000,–, für jeden Versicherungsfall insgesamt maximal EUR 22.000,– beschränkt.
Sources
- wienerstaedtische-24.athttps://www.wienerstaedtische-24.at/fileadmin/user_upload/Dokumente/Online-Abschluesse/kfz/Flugblatt_Kfz-Haftpflicht.pdf#page=1(opens in a new tab)
- wienerstaedtische.athttps://www.wienerstaedtische.at/fileadmin/user_upload/Dokumente/Bedingungen/KFZ_AVB_Haftpflicht_1015A.pdf#page=1(opens in a new tab)
- wienerstaedtische.athttps://www.wienerstaedtische.at/fileadmin/user_upload/Dokumente/Bedingungen/KFZ_AVB_Haftpflicht_1015A.pdf#page=3(opens in a new tab)
- wienerstaedtische.athttps://www.wienerstaedtische.at/fileadmin/user_upload/Dokumente/Bedingungen/KFZ_AVB_Haftpflicht_1015A.pdf#page=4(opens in a new tab)
- wienerstaedtische.athttps://www.wienerstaedtische.at/fileadmin/user_upload/Dokumente/Bedingungen/KFZ_AVB_Haftpflicht_1015A.pdf#page=8(opens in a new tab)
- wienerstaedtische.athttps://www.wienerstaedtische.at/fileadmin/user_upload/Dokumente/IPID/IPID_KFZ_Haftpflichtversicherung_los.fahren.pdf#page=1(opens in a new tab)
- wienerstaedtische.athttps://www.wienerstaedtische.at/service/faq/faq-zu-produkten/faq-auto-fahren.html(opens in a new tab)
Wiener Städtische Motor third-party liability