ÖSA Motor third-party liability (Kfz Haftpflicht)

Combined MTPL sum insured of EUR 100 million per event for personal injury, property and financial-loss claims, with up to EUR 15 million per injured or killed person – well above the statutory minimum.

Free 24-hour accident and breakdown claims hotline for immediate assistance.

'Begleitetes Fahren mit 17' lets 17-year-old learner drivers join the policy without expensive premium surcharges.

Attractive second-car classification for spouses, registered partners and children of existing ÖSA policyholders.

Driver restrictions

Only natural persons who hold the driving licence required for the type of vehicle to be insured (according to their age) may take out the contract; the vehicle may only be driven with a valid driving licence and may not be driven, or allowed to be driven, by anyone unable to safely control it due to alcohol or other intoxicants.

Claim notification deadline

The policyholder must notify ÖSA of any loss event that could give rise to a claim within one week; liability claims asserted against the policyholder out of court must likewise be reported within one week of being raised, and court claims must be reported immediately.

Bonus-malus rules

The premium depends on a no-claims class (SF-Klasse) determined by the MTPL and comprehensive claims history per the tables in Annex 1; a claim-free calendar year moves the contract up one class, a claim triggers a downgrade, and an optional 'Rabattschutz' add-on (available from SF-Klasse 5 with Autoschutzbrief, not for the Basis tariff) protects against downgrading after the first claim in a calendar year.

Territorial scope

Cover applies within the geographical boundaries of Europe and the non-European territories belonging to the EU; can be extended to additional listed non-European countries via the International Motor Insurance (Green) Card, and to rental-car liability abroad via the Mallorca-Police, included from the Komfort tier upwards (not in Basis).