Zurich Connect Motor third-party liability (Kfz Haftpflicht Standard)

Selectable liability sum insured up to EUR 25 million - more than three times the Austrian statutory minimum of EUR 7.79 million.

Unlimited 'Freischaden' option for bonus stages 0-6: your bonus-malus level is preserved no matter how many claims occur.

5% discount for completing the purchase online, stackable with further discounts for low-emission and alternatively powered vehicles.

Complimentary supplementary liability protection for rental cars driven abroad, in case the local mandatory cover proves insufficient after an accident.

Driver restrictions

The driver must be legally authorised to drive the vehicle and must not be under the influence of alcohol or drugs while driving; breach can release the insurer from payment obligations up to statutory limits (EUR 11,000 per breach / max. EUR 22,000 per claim, Art. 9.2 and Art. 11 AKHB). Separately, if the vehicle is driven by a person under 23 at the time of a claim, Zurich Connect charges an additional contribution of EUR 500 (incl. insurance tax), reduced proportionally for smaller claims.

Claim notification deadline

In the event of personal injury, the nearest police station must be notified immediately; for property damage, immediate notification is required unless the parties have already exchanged name and address. The insurer must be notified in writing of the claim, any claim raised by the injured third party, and related administrative or court proceedings, within one week of the policyholder becoming aware of them (Art. 9.3 AKHB).

Bonus-malus rules

Premiums follow a bonus-malus scale under Art. 15 AKHB: a new contract without a transferable claims history starts at entry stage 9, charged at 100% of the tariff premium. After each claim-free observation period (1 October-30 September, requiring at least 9 months in force, or 6 months if starting at stage 9) the stage drops by one; each claim charged to the insurer raises the premium by three stages at the next main due date following that period. Zurich Connect additionally offers an optional 'Freischaden' feature for stages 0-6, under which the bonus stage is preserved regardless of the number of claims.

Territorial scope

Cover applies throughout geographical Europe, in particular in all states party to the Green Card multilateral agreement of 30 May 2002 (EU/EEA states, Switzerland, Andorra, Serbia, etc.), and is additionally extended to Morocco, Turkey (in full) and Tunisia. The AKHB annex further lists Albania, Bosnia-Herzegovina, North Macedonia, Moldova, Monaco, Montenegro, the European part of Russia, San Marino, Ukraine, the Vatican and Belarus as covered territories.