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Comprehensive everyday cover — from your car and home to travel, pets and your bike.
Private insurance means all policies that protect you as a private individual and your family — as opposed to business insurance. This includes compulsory cover such as motor third-party liability as well as voluntary but highly recommended cover: personal liability, home contents, legal expenses or accident insurance.
As an independent brokerage, we work out together with you which insurance you really need in your situation — and which you can do without. Our aim is not to sell as many policies as possible but to find the right cover at a fair price.
Many risks that threaten your livelihood cannot be carried alone. A single liability claim can run into millions, water damage into tens of thousands of euros, and a long illness can mean financial ruin. Private insurance protects you against exactly these situations:
Compulsory motor liability plus optional comprehensive cover, passenger accident cover and legal expenses for your car, motorbike or camper.
Protection of all your household contents against fire, water, storm, burglary and vandalism — including personal liability.
Protection of the building against fire, storm, escaping water and natural hazards — often required by the bank.
Term life cover to protect your family financially, or a savings variant for retirement and other savings goals.
Worldwide 24/7 accident cover — important in Austria, because statutory accident insurance only covers accidents at work and on the way to work.
Covers lawyers’, court and expert fees in disputes in private life, traffic, at work or with your landlord.
Private supplementary or full health insurance with special class (Sonderklasse), free choice of doctor and benefits beyond the statutory health insurance.
Protection against third-party claims if you cause personal injury, property damage or financial loss — one of the most important policies of all.
Medical treatment abroad, trip cancellation, luggage and trip interruption — for carefree travel at home and abroad.
Surgery and vet costs plus owner’s liability for dogs, cats and horses — partly compulsory in many federal states.
Worldwide theft protection, damage cover and special battery cover for valuable bikes and e-bikes.
Build safely – cover for your building site, the shell and your liability as the person commissioning the build.
Freedom on two wheels or in a motorhome – on the road with the right cover.
Protection for your smartphone, laptop and more – against breakage, liquid damage and theft.
Private insurance concerns every household — with different priorities depending on your situation:
No — as an independent brokerage, we combine the best elements of different insurers for you instead of tying you to one provider.
An agent works on behalf of one insurance company. As a broker, we represent you and independently compare offers from 21 insurers. How does a broker differ from an agent?
We recommend an annual review and also whenever something important changes in your life, such as moving house, a new family member or a new job.
In our view only in two areas:
For other types of insurance we do not recommend bundled policies.
No, our advice is free for you — like an agent, we receive a commission from the insurance company.
Yes, that is straightforward with a broker mandate (Maklervollmacht) — you don’t have to cancel anything; we take over the servicing of your existing policies. Usually, however, the current contract is kept until its main renewal date (Hauptfälligkeit), cancelled in good time and then switched to a better-suited offer. We keep an eye on the notice periods for you.
As your broker, we usually find out in advance when an insurer is considering cancellation because of unpaid premiums or many claims – and we work to make sure it doesn’t come to that. Without a broker, clients often only find out when the cancellation arrives.
If you have received a cancellation, please contact us immediately: with a cancellation it is difficult to find a new insurer. Ideally, send us the current contract and the claims history straight away – with a short explanation of how the claims came about.
How easy a new contract will be depends on the reason: claims are assessed differently from unpaid premiums. In any case, expect a higher premium – instead of a discount there is usually a surcharge.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
We independently check your existing insurance and show you where there are gaps, where you are paying twice and where you can save.
Personal advice in Breitenwaida – for clients from the Hollabrunn district, the whole Weinviertel region, as well as Vienna and Burgenland. We advise in English, German, Polish, Serbian and Bosnian.
