With the extended guarantee from Porsche Versicherung.
Benefit from attractive premiums and an increase in resale value with full flexibility thanks to the annual right of cancellation.
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With its range of products, Porsche Insurance offers customized coverage for all your safety needs. In addition to motor vehicle third-party liability insurance, comprehensive coverage, passenger accident insurance, and other insurance products provide the best protection for you and your vehicle.
Difference between partCASCO and fullCASCO
partCASCO (Partially Comprehensive Insurance)
In the scope of a partCASCO, costs arising from external influences are covered (exception: vandalism).
fullCASCO (Fully Comprehensive Insurance)
In the scope of a fullCASCO, damage caused by the authorised driver themselves is covered.
Vehicle tax for electric cars: Here's what changes From April 1st
Starting April 1st, 2025, the engine-related insurance tax will also apply to electric cars. The new regulation affects both electric cars already registered and new registrations in Austria.
COVERAGE OVERVIEW: fullCASCO / fullCASCO PLUS
Important note: The specific inclusions and exclusions (scope of coverage) as well as deductibles set forth in the insurance policy and the corresponding terms and conditions of Porsche Bank and Porsche Insurance apply.
| What is covered? | fullCASCO | fullCASCO PLUS |
|---|---|---|
| 1. Accident | Deductible* | Deductible* |
| 2. Parking damage and vandalism (police report required) | Deductible* | Deductible* |
| 3. Natural forces (hail, storms, floods, …) | Deductible* | Deductible € 700,– * |
| 4. Fire and explosion (police report required) | Deductible* | No Deductible |
| 5. Contact with wild animals (requiring a police report) and pets | Deductible* | No Deductible |
| 6. Damage caused by overheating and short circuits | Deductible* | No Deductible |
| 7. Animal bite (marten damage) | Deductible* | No Deductible |
| 8. Roof avalanche / icicles | Deductible* | No Deductible |
| 9. Burglary (police report required) | Deductible* | No Deductible |
| 10. Glass breakage – all-round glazing (glass replacement) | Deductible* | Deductible € 700,– * |
| 11. Glass breakage – all-round glazing (glass repair) | No Deductible | No Deductible |
| 12. Glass breakage – small glass parts | Deductible* | No Deductible |
| 13. Theft and robbery (police report required) | Deductible* | No Deductible |
| Additional coverage | fullCASCO | fullCASCO PLUS |
|---|---|---|
| a) Compensation for personal belongings in the event of a burglary (excluding electronic devices, cell phones, and other items as specified in the insurance policy) | up to € 1.000,– | up to € 2.000,– |
| b) Rental car costs (in the event of a total loss or theft) | up to € 300,– | up to € 400,– |
| c) Accessories not subject to premiums (details as stated in the application; proof of purchase required) | up to € 2.000,– | up to € 4.000,– |
| d) Lock replacement in case of a lost car key | up to € 500,– | up to € 500,– |
| e) Blue light tax (“Blaulichtsteuer”) | up to € 40,– | up to € 40,– |
| Additional coverage for electric and hybrid vehicles | fullCASCO | fullCASCO PLUS |
|---|---|---|
| 1. Cyberattacks | No Deductible | No Deductible |
| 2. Indirect lightning strike | No Deductible | No Deductible |
| Additional coverage for electric and hybrid vehicles | fullCASCO | fullCASCO PLUS |
|---|---|---|
| a) Battery protection | ✔ | ✔ |
| b) Compensation for E-mobility assistance | 2 x € 100,– p. a. | 2 x € 100,– p. a. |
| c) Damage to your own charging station | up to € 3.000,– | up to € 3.000,– |
| d) Damage to charging equipment | up to € 1.000,– | up to € 1.000,– |
Coverage table for fullCASCO and fullCASCO Plus
Coverage table for partCASCO
Your benefits
Strong partners - always close by
Benefit from a comprehensive network of workshops affiliated with our Group brands VW, Audi, SEAT, ŠKODA, Porsche and VW Commercial Vehicles in Austria.
Straightforward payment transactions
The entire repair total (incl. deductible) is settled directly with the workshop.
Short processing times
96% of the incoming invoices are settled within 10 days.
Frequently asked questions about car insurance (FAQ)
- Motor vehicle third-party liability insurance: Required by law. It covers damage you cause to other traffic participants.
- Partial or fully comprehensive coverage: Recommended in either case. Partial coverage protects against theft, broken glass or collisions with wildlife. Comprehensive coverage extends this protection to include damage to your own vehicle resulting from an accident that is your fault.
The extent of coverage for your own vehicle. Partial coverage protects you against damage beyond your control, such as damages caused by hail or martens. Comprehensive coverage includes all the benefits of partial coverage, as well as protecting you in the event of you causing damage to your own vehicle.
- Vehicle registration certificate (Part 1)
- Photo ID (ID card, passport, or driver’s license)
- Proof of ownership (purchase agreement, dealer invoice, or leasing agreement)
Insurance rates are determined using the bonus-malus system. This system rewards accident-free driving and penalizes claims. The rates are structured as follows:
- New drivers and individuals who have recently been uninsured start at Level 9.
- For each accident-free year, you move up one level until you finally reach the most affordable Level 0 (= no-claims discount).
- If you are at fault for an accident, this results in a downgrade of three levels (to a maximum of Level 17).
The classification also takes into account regional classes (based on accident frequency per district) and vehicle classes (which are determined by vehicle type, engine power, and theft risk).
For a full insurance year. Your bonus-malus tier is reassessed once a year. This is based on the assessment year, which runs from October 1 through September 30 of the following year.
The easiest way to file a claim is through Porsche Bank’s online claims form. Please have all the necessary information ready:
- Date and location of the accident
- Detailed description of the incident
- Information about the people and vehicles involved
- Photos of the damage
- Police report, if available
When you change vehicles, your existing car insurance policy is generally transferred to the new vehicle. This means you retain your current bonus-malus tier. However, the rate may change due to the new vehicle’s type class and the resulting change in the basis for calculation.
An electric car is insured just like any other vehicle (mandatory liability insurance and, optionally, partial or comprehensive coverage). Due to their technical characteristics, however, electric cars require some additional specific coverage:
- Battery protection: Coverage for the battery, the vehicle’s most expensive component.
- Charging infrastructure: Damage to charging accessories and your own charging station.
- Lightning strikes: Damage caused by power surges.
- Cyberattacks: Damage caused by tampering with the vehicle’s software.
