ÖVB Motor third-party liability (Kfz Haftpflicht)

Combined third-party liability sum of up to EUR 100 million for property and financial loss plus up to EUR 15 million per injured person, well above Germany's statutory minimum limits.

Optional Autoschutzbrief provides Europe-wide breakdown and accident assistance including medical repatriation and trip-cancellation cost cover, addable to every tariff.

Optional Rabattschutz keeps the no-claims class from dropping after one claim per year in the Komfort and Premium tariffs.

Fahrerschutzversicherung compensates the driver's own injury losses—including lost income, disability-related home conversions, and a survivor's pension—up to the same sum insured as the liability cover.

Driver restrictions

The vehicle may only be used by an authorised driver holding the necessary valid driving licence; the policyholder, keeper or owner may not knowingly allow use by an unauthorised or unlicensed driver, and the vehicle may not be driven under the influence of alcohol or other intoxicants. Occasional use by a third party (e.g. a prospective buyer, garage mechanic, inspection-body staff or hotel employee acting in that role) is exempt from usual driver-circle restrictions but such drivers must still be at least 23 years old where an age-based tariff condition applies.

Claim notification deadline

Any event that may lead to a claim must be reported to the insurer within one week. If a third-party claim is asserted against the policyholder in court (e.g. summons, order for payment), this must be reported immediately.

Bonus-malus rules

The contract is rated under a no-claims class (SF-Klasse) system re-assessed each 1 January based on the previous calendar year's claims history. For cars, MTPL premium rates range from SF 50 (15% of base rate) down to SF 1 (53%), class 0 (86%) and class M (98%); a claim triggers a downgrade per fixed tables. A first claim of up to EUR 500 in a calendar year can be voluntarily reimbursed to the insurer within six months to avoid a downgrade. An optional 'Rabattschutz' add-on (available only with the Komfort or Premium tariffs together with the Autoschutzbrief/comprehensive cover, not with Basis) prevents a downgrade after one claim per calendar year, provided both the MTPL and comprehensive contracts are rated at least SF-Klasse 5 and no claim has yet occurred that year.

Territorial scope

Cover applies within the geographical boundaries of Europe and non-European territories belonging to the EU. The scope follows the level of cover legally required in the country visited, but at least the level agreed in the contract. If the insurer has issued an International Insurance Card (Green Card), cover also extends to the non-European countries listed on it unless crossed out; the geographic scope can be further extended by separate agreement.