WIENER STÄDTISCHE Versicherung AG Vienna Insurance Group
Wiener Städtische 24
Wiener Städtische 24 is a motor third-party liability insurance for the Austria market with online purchase and limited assistance availability.
Direct payment
Premium is paid in advance as agreed in the contract - annually, semi-annually, quarterly or monthly - via payment slip, direct debit authorization or online payment.
Geographic scope
Europe (geographic scope), contractually extendable
Cover applies throughout geographic Europe and at least in the signatory states of the Green Card multilateral guarantee agreement (listed in the T&Cs' annex); the scope can be contractually extended.
Unique selling points
- EUR 10 million standard sum insured with no surcharge, well above the EUR 7.6 million statutory minimum.
- Premium tier offers EUR 30 million sum insured with 24h breakdown assistance (Pannenhilfe) included at no extra cost.
- "Bonusretter" option protects the no-claims bonus step (0-3) after an at-fault accident.
- Liability cover for rental vehicles used abroad is included as standard in both tiers.
- Fully online self-service purchase and registration process enables lower premiums and faster processing.
Coverage limits
Bodily injury liability
€10,000,000 – €30,000,000
Combined lump-sum liability cover (Pauschalversicherungssumme) for bodily injury, property damage and pure financial loss; EUR 10 million in the Basic tier and EUR 30 million in the Premium tier, both above the EUR 7.6 million statutory minimum.
Property damage liability
€10,000,000 – €30,000,000
Covered under the same combined lump-sum sum insured as bodily injury liability (Austrian MTPL uses one Pauschalversicherungssumme, not split limits); EUR 10 million (Basic) / EUR 30 million (Premium).
Legal defence against unfounded claims
Covered
Defence against unjustified third-party claims (Abwehr unberechtigter/unbegründeter Ansprüche) is included within the agreed sum insured; no separate legal-defence limit is stated.
Green Card / international cover
Covered
Green Card cover extends the policy's territorial scope to the signatory states of the multilateral guarantee agreement between national insurers' bureaus (listed in the T&Cs' annex), at least to the minimum limits prescribed in the visited state.
Breakdown / roadside assistance
Conditional
Breakdown assistance (Pannenhilfe) is a selectable, chargeable add-on in the Basic tier ('wählbar') but a fixed included feature in the Premium tier ('fix'), where it is included within the EUR 30 million sum insured. Cover for rented motor vehicles used abroad is fixed ('fix') in both tiers.
Driver's own accident claims
Excluded
The driver's own claims for compensation (Schadenersatzansprüche des Lenkers) are explicitly excluded from cover under 'Was ist nicht versichert?'.
Passenger accident benefit
No limit stated
Passengers (Insassen) are covered as injured third parties under the bodily-injury liability sum, but no separate passenger-accident (Insassenunfall) benefit is evidenced in these sources; a dedicated Insassenunfallversicherung is offered as a separate product.
Key conditions
Territorial scope
Cover applies in Europe in the geographic sense; the territorial scope can be contractually extended.
Green card rules
In states for which a Green Card is issued or where its presentation is waived under the multilateral guarantee agreement, cover extends at least to the scope prescribed for foreign-registered vehicles in that state, or the contractually agreed scope if higher; cover ends with the end of the policy even if the Green Card shows a later validity date.
Driver restrictions
Cover is restricted or excluded if the driver operates the vehicle while impaired by alcohol or drugs, without a valid driving licence, in breach of agreed usage terms, while carrying more persons than permitted, or (for swap number plates) on a vehicle not currently bearing the assigned plates.
Claim notification deadline
The insurer must be notified of the insured event, third-party claims, and any administrative or court proceedings within one week of becoming aware of them.
Bonus-malus rules
Premium is set under a Bonus-Malus system with steps from 0 to 17 based on claims history: each claim-free year moves the step toward 0 (bonus, lower premium), while a claim paid by the insurer moves it toward 17 (malus, higher premium); the step transfers when changing vehicle or insurer via a central industry register. A 'Bonusretter' (bonus rescue) option can protect the bonus step after an at-fault accident for steps 0-3.
Policy specifics
Minimum coverage limit for bodily injury
EUR 7.6 million minimum statutory requirement for bodily injury; Wienerstaedtische24 offers EUR 10 million as standard without surcharge
SourceMinimum coverage limit for property damage
EUR 1.3 million minimum statutory requirement for property damage per Austrian law
SourceBonus-Malus System
Premium reduction/increase based on claim history; claim-free years reduce premium (no-claims bonus), accidents increase premium
SourceStatutory minimum sum insured
EUR 7.6 million is the current overall statutory minimum lump-sum insured (Pauschalversicherungssumme) covering bodily injury, property damage and pure financial loss combined; Wienerstaedtische24 offers EUR 10 million as its standard minimum without any premium surcharge.
SourceRental vehicles used abroad
Liability cover for rented motor vehicles used abroad is included as a fixed, non-optional feature in both the Basic and Premium tiers.
SourceEligible vehicles
Private cars (Pkw), station wagons (Kombi) up to 3.5 tons gross weight, small trucks (Klein-LKW) up to 1.5 tons payload or 3.5 tons gross weight
SourceVehicle usage designation restriction
Only vehicles designated as 'no special use' (zu keiner besonderen Verwendung bestimmt) or 'factory use' (zur Verwendung für Werksverkehr bestimmt) can be insured
SourceOnline self-service model (Selbermacher-Prinzip)
Wienerstaedtische24 operates on a self-service principle: customers complete online conclusion and vehicle registration formalities themselves, resulting in lower premiums and faster processing
Source