Extracted from source documents

Wüstenrot Motor third-party liability (Mobilitaets Haftpflicht)

Underwritten by Wüstenrot Versicherungs-AG · Austria

motor third-party liability insurance from Wüstenrot for the Austria market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2023-10-01Sources

Online purchase24/7 helpline

Unique selling points

Coverage extends beyond motor vehicles to e-bikes, scooters, bicycles and wheelchairs under the same Mobility Liability policy.

Selectable combined liability sum of 12 or 20 million EUR, well above the statutory minimum of 7.79 million EUR.

The first at-fault claim does not move you up the bonus-malus scale (Freischaden); a second claims-free benefit can be added.

Round-the-clock assistance package covering breakdown, accident, misfuelling, lost keys, flat tyres and EV battery depletion is included as standard.

Can be taken out fully online and independently of any existing car policy, with additional vehicles addable to the contract at any time.

Coverage limits

Liability limit (covers injury + property damage)

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

€12M€20M

Legal minimum: €12M

Covered

Legal defence against unjustified claims

Covered

The policy covers the payment of justified claims and the costs of defending against unjustified third-party claims; such costs, interest and other incidental charges are credited against the combined sum insured (AKHB 2023 Art. 1 and Art. 6.1). A separate, optional standalone legal protection (Rechtsschutz) product also exists for pursuing the policyholder's own claims.

Page 1

Section: Was ist versichert?

die Kosten der Abwehr unberechtigter Ansprüche.

Green Card / International Motor Insurance Card

Not established from the insurer's documents

In states for which a Green Card (International Motor Insurance Card) is issued, or for which its presentation is waived under the 30 May 2002 multilateral agreement, cover applies at least to the extent prescribed for foreign-plated vehicles in that state or the agreed contractual scope; cover ends when the policy ends even if the card shows a later expiry (AKHB 2023 Art. 5).

Third-party source, not the insurer's documentClause Art. 5Page 1

Section: Artikel 5 – Wie ist der Versicherungsschutz für das Ausland geregelt?

Im Gebiet jener Staaten, für die eine Internationale Versicherungskarte (IVK, ehemals Grüne Karte) ausgestellt oder auf deren Vorlage durch das Übereinkommen zwischen den nationalen Versicherungsbüros der Mitgliedsstaaten 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.

Covered

Roadside and mobility assistance

Covered

Basic assistance is included: help after breakdown, accident or theft (on-site repair or towing), misfuelling, flat EV battery and tyre puncture. Replacement vehicle (up to 5 days), hotel (up to 5 nights), onward/home travel and vehicle return from abroad belong to the optional Premium-Assistance add-on.

Section: Leistungen im Überblick > Premium-Assistance

auf Wunsch zubuchbar alle Basics; Ersatzfahrzeug bis zu 5 Tage, Hotel bis zu 5 Nächte, Organisation von Heim- und Weiterreise, Fahrzeugrücktransport aus dem Ausland, Fahrzeugabholung, Zustellung nach Reparatur, SmartRepair (z.B. Tausch der Zündspule, Ersatz eines defekten Reifens etc.)

Optional

Driver accident insurance

Optional

An optional driver accident insurance add-on can be booked alongside the Motor Vehicle Liability Insurance to provide financial protection for the driver in the event of an accident.

Section: Mehr für Sie und Ihre Bedürfnisse:

Finanzieller Schutz für Lenker:in und Insassen/Aufsassen. Als Zusatz zu Ihrer Kfz-Haftpflichtversicherung abschließbar.

Optional

Passenger accident insurance

Optional

The optional occupant accident add-on extends financial protection against accident consequences to passengers as well as the driver.

Section: Mehr für Sie und Ihre Bedürfnisse:

Finanzieller Schutz für Lenker:in und Insassen/Aufsassen. Als Zusatz zu Ihrer Kfz-Haftpflichtversicherung abschließbar.

Key conditions

Driver restrictions

The driver must be legally authorised to drive the vehicle and must not be impaired by alcohol or drugs; breach of these duties can result in the insurer being released from its obligation to pay, subject to statutory limits. Policyholders under 23 years old are excluded from vehicles with power exceeding 105 kW under Wüstenrot's underwriting rules for new private contracts.

Claim notification deadline

The policyholder must notify the insurer in writing of the claim, any claim raised by the injured third party, or the start of related administrative or court proceedings within one week of becoming aware of it.

Bonus-malus rules

Premium is set under a 19-level (steps 0/1 to 16/17) bonus-malus scale starting at base level 9; a claim-free observation period (1 Oct-30 Sep) lowers the premium by one step at the next due date, while a chargeable claim raises it by three steps (AKHB 2023 Art. 15). The first at-fault accident does not trigger a bonus-malus reclassification (claims-forgiveness benefit), regardless of the sum insured.

Source

Section: Häufige Fragen zu Vorsorge und Versichern mit Wüstenrot > Kfz-Haftpflicht > Steigt mein Versicherungsbeitrag nach einem Kfz-Schaden?

Bei Wüstenrot gilt: Der erste selbst verschuldete Kfz-Schaden führt zu keiner Umstufung in der Bonus-Malus-Stufe. Dadurch bleibt der Versicherungsbeitrag nach dem ersten selbst verschuldeten Schaden unverändert.

Territorial scope

Coverage extends to Europe in the geographical sense and at least to the states that signed the 30 May 2002 multilateral agreement between national insurance bureaus of the EEA and associated states; ends when the contract ends even if the Green Card shows a longer validity.

Documents

General Terms and Conditions for Motor Vehicle Liability Insurance (AKHB 2015) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions for Motor Vehicle Liability Insurance (AKHB 2023) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) - Motor Vehicle Liability Insurance (opens in a new tab)

Product information sheet · PDF

Policy specifics

Coverage limits available

Motor Vehicle Liability Insurance available with coverage limits of 12 or 20 million EUR for standard liability; optional higher coverage available

Source

Section: Leistungen im Überblick > Freischaden

beim ersten Schaden keine Erhöhung der Prämie; zweiter Freischaden einschließbar

Assistance services

Basic assistance (breakdown, accident, theft help, misfuelling, flat EV battery, tyre puncture) is included; rental car up to 5 days, hotel up to 5 nights and vehicle return from abroad require the optional Premium-Assistance add-on

Source

Section: Leistungen im Überblick

alle Basics; Ersatzfahrzeug bis zu 5 Tage, Hotel bis zu 5 Nächte, Organisation von Heim- und Weiterreise, Fahrzeugrücktransport aus dem Ausland, Fahrzeugabholung, Zustellung nach Reparatur, SmartRepair

Driver accident insurance

Optional driver accident insurance available as an add-on to provide financial protection for drivers and passengers

Source

Section: Mehr für Sie und Ihre Bedürfnisse:

Finanzieller Schutz für Lenker:in und Insassen/Aufsassen. Als Zusatz zu Ihrer Kfz-Haftpflichtversicherung abschließbar.

Legal protection insurance

Optional legal protection insurance covers attorney, court and other legal proceedings costs

Source

Section: Mehr für Sie und Ihre Bedürfnisse:

Damit guter Rat nicht teuer wird: Ihre Absicherung gegen Anwalts-, Gerichts- und sonstige Verfahrenskosten. Als Zusatz zu Ihrer Kfz-Haftpflichtversicherung abschließbar.

Vehicle eligibility restrictions

Standard Kfz-Haftpflicht applies to registration-plated vehicles (cars, motorcycles, mopeds). Mobility Liability extends to non-registration-plated vehicles (e-bikes, scooters, bicycles, wheelchairs). Excludes taxis, commercial buses, commercial vehicles with specific uses, and vehicles in transport trade.

Source

Age and power restrictions

Policyholders under 23 years old excluded from vehicles with power exceeding 105 kW. New customers only (private individuals). Vehicles with first registration before 2015 and power over 251 kW cannot be offered.

Source

Accident notification requirements

Accident damages must be reported as soon as possible. Policyholders can initially contact emergency hotline +43 57070-555 for assistance (24/7 available). Official accident notification must include policy number, accident details, medical reports if applicable.

Source

Section: Private Unfallversicherung

Für die Schadenmeldung benötigen Sie Ihre Polizzennummer, Angaben zum Unfallhergang sowie ärztliche Atteste, Befunde oder Krankenhausberichte. Die Unterlagen ermöglichen eine rasche und unkomplizierte Bearbeitung des Leistungsfalls.

Premium guarantee period

Not established from the insurer's documents

3-year premium guarantee offered as special product feature. Premium remains fixed for three years from policy inception.

SourceThird-party source, not the insurer's document

Section: Jetzt Preise einholen

Besondere Produkteigenschaften sind weiters eine Prämiengarantie von 3 Jahren, sowie Gutscheine für Gratis-Kindersitze und Pickerl-Überprüfungen beim Kooperationspartner ARBÖ.

Sources

Wüstenrot Motor third-party liability

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