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SpeedSurance - Innovative TIPS:

These additional packages are intended as information for you and represent an extract of the possibilities of our insurance partners VAV and Wiener Städtische Versicherung.

For more details you can contact me by email, chat or phone.


VAV occupant accident insurance protects you and your passengers from the consequences of an accident and is therefore an important addition to your car insurance.

Your advantages:

  • Debt issue not relevant

  • Benefits if the person who caused the accident is not insured or is destitute or the culprit

cannot be determined

  • Coverage also in the event of accidents when getting on or off or loading or unloading the


  • No other insurance benefits in the event of a claim

Scope of insurance

All accidents that occur in connection with the use of your car.

Insured persons

The driver and all passengers.

The agreed sum insured applies to the vehicle specified in the contract.

The sum insured for the individual insured person is calculated by dividing the lump sum insured sum by the persons insured at the time of the accident.

It increases by 100% if two people are insured at the time of the accident and 150% if three or more people are insured.


The authorized driver of the vehicle insured in the policy is insured.

What is insured?

The insurance covers the following personal injury and damage to property of the insured person as a result of a traffic accident in accordance with Austrian law

  • Pain relief

  • Loss of earnings due to personal injury

  • Maid service (limited to EUR 40.00 per day for a maximum of 25 days)

  • Property damage to the worn dress

• Initial psychological care after a faulty traffic accident with personal injury up to EUR 200.00 (if medically indicated)

Extent of compensation
The insurer's benefit per claim is EUR 100,000.00 within the scope of the

Flat-rate insurance amount limited. Notwithstanding Art. 6 AKHB.

Contractual basis

The AKHB is the basis for driver accident insurance. Article 1 AKHB is extended to include driver's accident insurance.

The following are excluded from insurance cover:

  • the exclusions specified in Article 8 of the AKHB

  • Intentional or grossly negligent traffic accidents caused by the insured person

  • Accidents when getting on and off as well as loading and unloading

  • if the insured person did not wear the seat belt at the time of the accident

(exceptions are permitted exceptions within the meaning of the KFG)

  • the insured person is entitled to on the basis of legal or contractual regulations

Congruent claims due to the traffic accident against third parties (such as social insurance providers, employers, private health insurers), as well as claims for damages against third parties and their liability insurers (subsidiarity principle)

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