ÖVB Casco (own-damage car insurance) (Kfz Kasko)

The E-Vollkasko Premium offers an All-Risk battery guarantee for electric and plug-in hybrid vehicles, covering virtually all causes of battery damage except normal wear and manufacturer defects.

Premium and E-Vollkasko Premium tiers cover 'Eigenschäden' — damage you cause to your own other VGH-insured vehicles, campers or buildings — up to 100,000 EUR per year, a benefit many competitors do not include.

E-Vollkasko Premium insures wall-mounted and mobile home charging stations up to 3,000 EUR each, plus charging cards and induction charging plates.

New-price compensation (Neupreisentschädigung) is extended up to 36 months after first registration in the Premium and E-Vollkasko Premium tiers, well beyond the market-typical 12 months.

Driver age and experience limit

Occasional or exceptional use of the vehicle by a third party (other than the named users) is only permitted if that person is at least 23 years old; the same minimum age is also used as a condition for several preferential no-claims (SF-Klasse) starting classifications for spouses/partners.

Repair network requirements

If you agree to the 'Werkstattservice', the insurer chooses the repair workshop and pays the repair costs directly; if you arrange repair at another workshop without contacting the insurer first, the benefit is cut to 85% of the calculated amount. Choosing a partner workshop does not by itself reduce the agreed deductible, except that the deductible is always waived for a professionally executed glass repair.

Anti-theft requirements

Costs for replacing locks and keys are covered only if the vehicle keys were stolen through burglary or robbery; there is no cover if the keys were stolen from inside the insured vehicle or from a key safe attached to it. Grossly negligent facilitation of the vehicle's theft removes the usual benefit-reduction leniency granted for gross negligence.

Claim notification deadline

Any event that may lead to a claim must generally be reported within one week; theft or loss of the vehicle or co-insured parts must be reported immediately in text form, and theft, fire or animal-collision damage exceeding 500 EUR must additionally be reported to the police immediately.

Deductible rules

An agreed deductible is deducted once per claim event and per insured vehicle. It is waived entirely if you opt for a professional glass repair instead of replacement, and it is not deducted a second time for 'Eigenschäden' (self-inflicted damage to your own other insured property) claims under the Vollkasko Premium/E-Vollkasko Premium enhancement.

Direct payment

If you agree to the 'Werkstattservice', the insurer selects the repair workshop, issues the repair order coordination and pays the repair costs directly to the workshop; if you bypass this without prior contact, the benefit is reduced to 85% of the calculated amount.