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Motorcycle Insurance Austria 2026
Motorcycle liability insurance is mandatory in Austria under the Motor Vehicle Act (KFG) Article 59. Partial and full comprehensive coverage are optional. Bonus-Malus levels 0 to 17 set the premium.
Written by: Mag. Stefan Huber · Last updated: 2026-05-27
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Motorcycle liability insurance is mandatory in Austria under Motor Vehicle Act (KFG) Article 59 and must be in place before any registration at the Verkehrsamt (road authority). Partial comprehensive covers theft, animal collision and natural damage; full comprehensive adds self-caused accidents. The Bonus-Malus level (0 to 17) and engine power (kW) drive most of the premium. During winter, plate deposit or seasonal plates significantly reduce annual cost.
TL;DR
- 1.Liability is mandatory under KFG Article 59; minimum coverage personal injury EUR 7.6 million, property damage EUR 1.3 million (VVO benchmark: EUR 20 million combined).
- 2.Partial comprehensive covers theft, animal collision, storm, hail and glass; full comprehensive adds self-caused damage and vandalism.
- 3.Bonus-Malus levels 0 to 17 set premium tiers under VVO rules; claim-free years gradually lower the premium.
- 4.Seasonal plates or plate deposit at the Verkehrsamt typically cut 30 to 50 percent of the annual premium during winter.
- 5.durchblicker.at presents quotes from several Austrian insurers in one form; the policy is concluded directly with the insurer.
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Important: Important: Motorcycle liability insurance is mandatory in Austria under KFG Article 59. This guide is for general information and does not replace individual advice from an insurer or licensed insurance broker.
Coverage types overview
Liability
Required (KFG § 59)Legally mandatory. Covers damage the motorcycle causes to third parties.
- Third-party personal injury
- Third-party property damage
- Minimum personal injury EUR 7.6 million
- VVO benchmark: EUR 20 million combined
Partial comprehensive
RecommendedProtects against theft, natural hazards, glass breakage and animal collision.
- Theft
- Animal collision
- Storm and hail
- Glass breakage
Full comprehensive
PremiumExtended protection including self-caused damage and vandalism.
- All partial coverage
- Self-caused accidents
- Vandalism
- Parking damage
What drives the premium?
| Factor | Impact |
|---|---|
| Coverage type | Liability < Partial < Full comprehensive |
| List price and model | Higher value means higher premium |
| Engine power (kW/HP) | More kW means higher risk and premium |
| Bonus-Malus level | Levels 0 to 17 under VVO rules |
| Deductible | Higher deductible lowers the premium |
| Storage location | Garage counts as lower theft risk |
| Age and riding experience | Younger riders typically pay more |
Example premium
BMW R 1250 GS Adventure
Coverage
Liability + Full comprehensive
Liability sum
EUR 20 million combined
Full comp. deductible
EUR 350
Monthly premium
EUR 215 - 265
Benchmark from publicly available Austrian insurer tariffs (2026). Actual premiums depend on individual factors.
Winter break: cut costs
If the motorcycle is not in use during winter, the policy can be paused or reduced. Two legal options exist.
Plate deposit
License plates are deposited at the Verkehrsamt and the policy pauses during this period. Re-registration is possible later without a new insurance certificate.
Seasonal plates or winter discount
Many Austrian insurers offer seasonal plates or a flat winter discount. The motorcycle stays formally registered, but the premium is reduced for non-use months.
Registration costs at Verkehrsamt (benchmark 2026)
Total approx. EUR 299.50
Official feesEUR 178.00
Processing feeEUR 65.60
License plateEUR 13.00
Inspection stickerEUR 2.30
Registration certificate (optional)EUR 29.50
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Frequently asked questions
Is motorcycle insurance mandatory in Austria?v
Yes. Under Motor Vehicle Act (KFG) Article 59, liability insurance is required for every motorcycle registered in Austria. Without a valid policy, registration at the Verkehrsamt is not possible.
What does Bonus-Malus mean for motorcycles?v
The VVO Bonus-Malus system uses levels 0 to 17 to set premium tiers. Claim-free years improve the level and reduce the premium; a self-caused claim moves the level up.
Is full comprehensive worth it for an older motorcycle?v
For motorcycles with low residual value, full comprehensive is rarely economical. Partial comprehensive covers typical risks like theft and animal collision at a significantly lower premium.
Can I pause the insurance during winter?v
Yes. If the motorcycle is not in use, the plates can be deposited at the Verkehrsamt or a seasonal plate can be chosen. Many Austrian insurers also offer a winter discount.
What coverage sum does VVO recommend?v
The statutory minimum is EUR 7.6 million for personal injury and EUR 1.3 million for property damage. In practice, a combined coverage of EUR 20 million is recommended because personal injury claims in road traffic can quickly exceed the minimum.
Where can I get help with disputes?v
The FMA supervises Austrian insurers and handles complaints. OeAMTC and ARBOe offer legal advice to members; KFV provides road safety data and education.
Sources and authorities
This page references the following official and industry sources. In case of disputes or legal questions, these are the authoritative bodies in Austria.
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Disclaimer: Disclaimer: The content of this guide is for general information only and does not constitute individual insurance advice. All premium and benefit information is non-binding and may change. For binding information, contact the respective insurer or a licensed insurance broker directly.