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Required by law, tailored to you — the right cover for your vehicle on Austrian roads.
Motor third-party liability insurance is compulsory by law in Austria for every registered vehicle. It protects you against the financial consequences of a road accident — both towards third parties and (with comprehensive cover) for damage to your own vehicle. From compulsory liability to fully comprehensive cover (Vollkasko), you can tailor your protection to your needs.
Every vehicle registered in Austria must have at least third-party liability insurance. But there are other good reasons for broader cover:
Legally required cover for personal injury, property damage and financial loss that you cause to third parties with your vehicle.
Protects the vehicle against theft, glass breakage, collisions with game, hail, storm and other natural events.
Comprehensive protection that also covers accidents you cause yourself and vandalism — in addition to all partial comprehensive benefits.
Additional protection for everyone in the vehicle in an accident — regardless of who was at fault.
Covers lawyers’ and court fees in legal disputes related to road traffic.
Immediate help with breakdowns, towing costs, a replacement car and overnight stays at home and abroad.
Your annual payment consists of three parts:
Example 1: petrol car, first registered 2026, 85 kW, 125 g CO₂/km
| Component | Calculation | per month |
|---|---|---|
| Power | (85 − 59) kW × €0.72 | €18.72 |
| CO₂ | (125 − 97) g × €0.72 | €20.16 |
| Vehicle tax | €38.88 (€466.56 per year) |
Example 2: electric car, first registered 2026, 150 kW, 1800 kg
| Component | Calculation | per month |
|---|---|---|
| Power | 35 kW × €0.25 + 25 kW × €0.35 + 45 kW × €0.45 | €37.75 |
| Weight | 500 kg × €0.015 + 400 kg × €0.030 | €19.50 |
| Vehicle tax | €57.25 (€687.00 per year) |
The vehicle tax is fixed — you can only save on the insurance premium. That is exactly where we compare offers for you. Our comparison calculator gives you a first, non-binding idea.
Calculation based on the tax rates of the Austrian Ministry of Finance (BMF), as of 1 January 2026. You will find your vehicle’s data (kW, CO₂, kerb weight) in the type certificate (Typenschein) or data extract (Datenauszug).
A motor liability contract can basically be ended in two ways:
There are also special cases: if the insurer increases the premium, you can cancel within one month of being notified (§ 14a KHVG). After a claim, both parties have a right of cancellation (§ 158 VersVG). When you sell the car, the liability insurance passes to the buyer, who can cancel it within one month.
Comprehensive cover is voluntary and may have a different term from liability cover — you will find the dates in your policy.
We keep an eye on the main due date of your contracts and check in good time whether switching pays off.
Legal basis: Austrian Motor Liability Insurance Act (KHVG) §§ 14, 14a; VersVG § 158. As of October 2026.
Motor liability insurance is compulsory for every vehicle owner in Austria. Comprehensive cover is also especially recommended for:
These details determine the premium: power (kW) and date of first registration, the new value of the vehicle, place of residence, age of the drivers, bonus-malus level and — depending on the insurer — annual mileage. Having them to hand means you get an offer that can really be compared more quickly.
Why accurate information matters: an offer is only as good as the information it is based on. Anyone who omits or misstates previous claims, all drivers or the actual use of the vehicle, you risk the insurer withdrawing from the contract or refusing to pay in the event of a claim (§§ 16 ff. VersVG). That is why we prefer to calculate on the basis of complete information — the offer may then not be the cheapest, but you can rely on it.
Deregistration — at any registration office in Austria, free of charge. Bring:
Deregistration ends your liability insurance; the premium is settled pro rata. Important: the deregistration confirmation is not sent to the insurer automatically – please send it to the insurer yourself or to us, and we will take care of the rest. The registration number can be reserved for another vehicle for up to twelve months.
Moving house — what you need to do depends on the number plate:
We help with registration, deregistration and re-registration and adjust your insurance straight away.
Sources: oesterreich.gv.at, “Abmeldung eines Kraftfahrzeuges” and “Zulassungsbescheinigung – Namens-/Adressänderung” (as of 2026); § 42 Kraftfahrgesetz.
Yes. Every vehicle used on the road in Austria must have at least liability insurance. Without valid liability insurance, a vehicle cannot be registered or driven.
Your no-claims discount is basically retained: the new insurer takes over your bonus-malus level on the basis of a confirmation from your previous insurer (Vorversicherungsbestätigung).
Important: for every liability claim, you are usually moved up three levels – this also applies when you switch insurer, and it makes the premium higher. We will gladly calculate whether switching is still worthwhile.
After a longer break, not every insurer will accept your level: depending on the company, it can only be transferred for 1 to 3 years after deregistration.
In addition, usually only levels actually earned by claim-free driving are transferred – levels granted as a gift (e.g. in new-customer promotions) and insurers’ internal levels usually are not.
Our tip: keep the confirmation from your previous insurer (Vorversicherungsbestätigung) in a safe place – we will gladly check which insurer will recognise your level.
Liability insurance can be cancelled once a year at the main due date (Hauptfälligkeit) — the notice must reach the insurer at least one month beforehand. After the vehicle is deregistered, the contract ends on the day of deregistration. We will gladly check special cases such as a premium increase or a claim for you.
Yes – this is very important: the deregistration confirmation (Abmeldebestätigung) is not passed on automatically to the insurer. Please send it to the insurer yourself or simply to us – we will forward it and make sure the contract ends properly.
That depends on the tariff: some comprehensive tariffs cover the cost of new keys and replacing the locks if the keys are stolen, and some home contents policies pay for lost keys. Simply losing them is often not covered. We will gladly check which of your policies applies.
Yes, that is exactly the difference from partial comprehensive cover: fully comprehensive also covers damage to your own vehicle in accidents you caused yourself, minus the excess.
The key difference: fully comprehensive (Vollkasko) also covers damage that you caused yourself – partial comprehensive (Teilkasko) does not. Partial comprehensive cover also comes in a variant with parking damage and one without.
| Damage | Teilkasko without parking damage | Teilkasko with parking damage | Vollkasko |
|---|---|---|---|
| Severe weather, hail, storm, fire, theft, glass breakage, collision with game | ✓ | ✓ | ✓ |
| Parking damage caused by an unknown person | – | ✓ | ✓ |
| Damage to your own car that you caused | – | – | ✓ |
Simplified overview – the exact scope depends on the tariff. We will show you which variant suits your car.
The premium depends, among other things, on the vehicle type, engine power and new value. When you change cars, we will gladly calculate the new premium before you decide.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
Send us your current policy or type certificate — we will compare liability and comprehensive cover and tell you before the main due date whether switching pays off.
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.
