VAV Versicherung
VAV Versicherung is an Austrian personal lines insurer (auto, household, home, legal, accident, liability) operating since 1973 as a subsidiary of VHV Versicherung AG, distributing via direct online sales, 20+ KFZ registration offices, and broker partners to Austrian consumers.
- Company typePrivate
- Founded1973
- HeadquartersVienna, Austria
- Headcount51–100
- GTM typeB2C
- OfferingServices
What VAV Versicherung does
VAV Versicherung (legal name: VAV Versicherungs-Aktiengesellschaft) is an Austrian personal lines insurance company headquartered in Vienna at Münzgasse 6, 1030 Wien, founded in 1973 and operating as a wholly-owned subsidiary of the German insurer VHV Versicherung AG. The company serves Austrian private individuals across nine product lines: motor vehicle (auto, motorcycle, classic car, trailer), household contents, homeowners, legal expenses, accident, personal liability, and dog liability, plus a recent move into commercial liability (Betriebshaftpflicht). Distribution is omnichannel — direct online sales via vav.at with online premium calculators and instant policy issuance, a network of 20+ KFZ vehicle registration offices across major Austrian cities, and traditional insurance brokers/agents with access to the VAV PRO partner portal. The meinVAV customer portal provides 24/7 self-service for contract management, document access, and digital claims reporting.
The business model is subscription-based recurring premium revenue, typically billed monthly, with starting prices ranging from EUR 4.17/month (Legal Protection Exklusiv) to EUR 67.49/month (Motorcycle Full Casco), and pricing is publicly disclosed on the company website. Customer-friendly features include daily cancellation on most products, a 10% loyalty bonus, low-mileage discounts for drivers under 10,000 km/year, and a 20% combo discount for combined household and home policies. A differentiating offer is Bargeldablöse, which pays cash for minor damages instead of mandating repair. The technology stack is web-based and conventional — Google Analytics, Matomo, Google Tag Manager, and Google AdWords — with encrypted email (PGP/S/MIME/TLS) and integration with RTR-GmbH for postal-code-based location lookup. Sustainability credentials (TÜV-SÜD-certified 100% Austrian hydropower, LED retrofits, bee population Project 2028, ESG-mandated investment portfolio via WAVE Management AG) have been formally recognized via the 2026 VAA sustainability award and 2022 Versicherungs Award Austria 2nd place.
VAV Versicherung firmographics
Firmographics- Name
- VAV Versicherung
- Legal name
- VAV Versicherungs-Aktiengesellschaft
- Website
- https://vav.at
- Company type
- Private
- Founded year
- 1973
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- VAV Versicherung is an Austrian personal lines insurer (auto, household, home, legal, accident, liability) operating since 1973 as a subsidiary of VHV Versicherung AG, distributing via direct online sales, 20+ KFZ registration offices, and broker partners to Austrian consumers.
- Ownership category
- akta.pro rank
VAV Versicherung industry classification
Industry- Product category
- Personal Lines Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Motor Vehicle Liability Insurance (FSAJAMAC)
- akta.pro secondary industries
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA), General Liability Insurance (FSAJAMAE), Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)
Keywords
Where VAV Versicherung is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- Austria
- HQ region
- Europe
Offices2 records
Markets served
VAV Versicherung business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: VAV Versicherung generates revenue primarily through recurring insurance premiums from its portfolio of personal insurance products, including motor vehicle (auto, motorcycle, oldtimer, trailer), household, home/property, legal protection, accident, and liability insurance. Premiums are typically paid on an annual or monthly basis with daily cancellation options for many products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Accident Insurance - Ausgewogener Schutz (Balanced Protection) |
| Subscription | Monthly | Accident Insurance - Umfassender Schutz (Comprehensive Protection) |
| Subscription | Monthly | Legal Protection - Top-Exklusiv |
| Subscription | Monthly | Legal Protection - Exklusiv |
| Subscription | Monthly | Legal Protection - Verkehr (Traffic) |
| Subscription | Monthly | Household Insurance - Individuell |
| Subscription | Monthly | Household Insurance - Exklusiv |
| Subscription | Monthly | Household Insurance - Top Exklusiv |
| Subscription | Monthly | Home/Property Insurance - Individuell |
| Subscription | Monthly | Home/Property Insurance - Exklusiv |
| Subscription | Monthly | Home/Property Insurance - Top Exklusiv |
| Subscription | Monthly | Motorcycle Insurance - Liability Only |
| Subscription | Monthly | Motorcycle Insurance - Partial Casco |
| Subscription | Monthly | Motorcycle Insurance - Full Casco |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
VAV Versicherung product offering
Product offeringCore offering
VAV Versicherung sells personal-lines insurance products for Austrian consumers, including motor vehicle insurance (auto, motorcycle, classic car, trailer), household and homeowners property insurance, legal expenses insurance, accident insurance, and personal and dog liability insurance. Products are offered in tiered variants (e.g., Individuell, Exklusiv, Top Exklusiv) with monthly subscription billing and are sold primarily through direct online channels, with additional distribution through insurance brokers and a network of KFZ registration offices across Austria. The meinVAV customer portal, online premium calculator, encrypted email service, and online damage reporting support the full customer lifecycle.
Product overview
VAV Versicherung is an Austrian insurance company offering a portfolio of personal and property insurance products primarily for private customers, distributed both online and through a network of sales partners. The core offering consists of motor vehicle insurance products (auto, motorcycle, classic car, trailer), home insurance products (household and homeowners), and personal risk products (legal expenses, accident, personal liability, dog liability). All products are available for online self-service purchase and management through the meinVAV customer portal, online damage reporting, and premium calculation tools. The company also provides ancillary services including vehicle registration support, 24-hour breakdown assistance, and a cash settlement option (Bargeldablöse) for minor damages. The household insurance includes a bundled private liability policy — a distinguishing feature of Austrian household insurance versus German household contents products.
Differentiator
Problem solved
Functional benefit
Products and services
- Autoversicherung (Car Insurance) Motor vehicle insurance for Austrian consumers covering liability, partial, and comprehensive (Vollkasko) coverage, with online premium calculation and immediate purchase.
- Motorradversicherung (Motorcycle Insurance) Motorcycle and moped insurance covering liability, partial casco, or comprehensive casco with optional seasonal usage discounts.
- Oldtimer-Versicherung (Classic Car Insurance) Insurance tailored for classic cars and youngtimer vehicles.
- Anhängerversicherung (Trailer Insurance) Insurance coverage for trailers, designed to be attached to the customer's vehicle insurance.
- Haushaltsversicherung (Household Insurance) Comprehensive household contents insurance covering fire, water, storm, glass, theft, plus a bundled worldwide private liability policy, offered in Individuell, Exklusiv, and Top Exklusiv tiers with daily cancellation.
- Eigenheimversicherung (Homeowners Insurance) Building insurance covering fire, storm, water damage, glass breakage, and property liability, with optional smart-home and pool cover, in three tiers; combined household + homeowners bundle offers up to 20% savings.
- Rechtsschutzversicherung (Legal Expenses Insurance) Legal expenses insurance providing coverage across private, professional, and traffic legal matters throughout Europe, in Exklusiv, Top Exklusiv, and standalone Verkehrs-Rechtsschutz variants with optional sums insured of EUR 150,000 or EUR 300,000.
- Unfallversicherung (Accident Insurance) Worldwide accident insurance for work and leisure, up to EUR 250,000 permanent-disability cover with up to 500% progression, no health questionnaire at application, and daily cancellation; Ausgewogener Schutz and Umfassender Schutz tiers.
- Privathaftpflichtversicherung (Personal Liability Insurance) Personal liability insurance covering the policyholder and household family members against damages from everyday life; bundled into VAV household insurance.
- Hundehaftpflichtversicherung (Dog Liability Insurance) Dog-owner liability insurance offered as an add-on to the household policy, with a EUR 10 million sum insured for damages caused by dogs.
Quantifiable outcome
- Customer satisfaction rating of 4.80/5.00 based on 1,590 reviews (AUSGEZEICHNET.org)
- +3 more outcomes
Companies that use VAV Versicherung
Customer profileSegments1 record
Ideal customer profiles1 record
VAV Versicherung technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
VAV Versicherung partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- WAVE Management AGcoreWAVE Management AG, a subsidiary based in Hannover, Germany, manages VAV's capital investments in accordance with the Konzern strategy. WAVE applies ESG (Environmental, Social, Governance) criteria to VAV's investment portfolio, considering ethical, social, and ecological factors in all investment decisions.
- CarglassminorCarglass is VAV's recommended partner for windshield repair and replacement. VAV Kasko customers can save EUR 200 on deductibles for windshield replacement. Carglass also offers free stone chip repair in 30 minutes and calibration of driver assistance systems.
- Goodone SchadenmeisterminorGoodone Schadenmeister is VAV's Austria-wide partner for high-quality body and paintwork repairs. VAV Kasko customers receive EUR 200 deductible reduction, loaner car during repair, and pick-up/drop-off service. Goodone operates 3 own locations in Vienna and Burgenland, is a certified Tesla Bodyshop, and the only official Ferrari Bodyshop in Austria, with a network of 103 partner workshops.
- Lucky CarminorLucky Car is VAV's partner for paintwork, bodywork, and mechanical repairs across Austria. With over 60 locations throughout Austria, Lucky Car offers repairs without appointments for first inspection and damage assessment.
- MO' DriveminorMO' Drive provides VAV Kasko customers with EUR 200 deductible reduction (for repairs over EUR 600), free replacement vehicle, free pick-up/drop-off service, and free vehicle cleaning during repairs. MO' Drive has 40 locations in Austria including 7 Tesla Approved Body Shops.
- SOLUTOminorSOLUTO is VAV's recommended partner for damage remediation across Austria, offering 24/7 services including water damage repair, leak detection, fire damage repair, pipe inspection, and trenchless pipe rehabilitation. Contact: 0800 700 100.
- Hektar NektarminorAs a partner of Hektar Nektar's 'Project 2028', VAV supports the goal of increasing the bee population by 10% by 2028. VAV maintains approximately 250,000 company bees tended by regional VAV beekeepers on company premises.
- Movevo Move DaysminorSince 2023, VAV participates in Movevo Move Days where employees earn points for charitable causes through physical activity. Beneficiaries have included the Nico Langmann Foundation, Stiftung Kindertraum, and Movevo4Kids.
- Verbund (Austrian hydroelectric power)minorVAV sources 100% of its office electricity from Austrian hydropower through TÜV-SÜD certified Verbund power plants, contributing to the company's carbon-neutral operations.
- VHV Versicherung AGcoreVHV Versicherung AG is the parent company of VAV Versicherungs-Aktiengesellschaft, based in Germany. VAV operates as the Austrian subsidiary of the German insurer, benefiting from its parent's market experience and financial backing.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
VAV Versicherung competitors and assessment
Company assessmentDirect peers
- Donau Versicherung: Donau Versicherung is an Austrian personal and commercial P&C insurer, also a VIG subsidiary, offering comparable motor, household, and liability products to Austrian consumers. Closely comparable in product breadth, customer segmentation, and Austrian-market focus.
- Helvetia Versicherung Österreich: Helvetia Austria is a mid-sized Austrian P&C insurer writing motor, household, and liability products to consumers. Comparable in scale, multi-line personal focus, and direct distribution presence within the Austrian market.
- HDI Versicherung Austria: HDI Austria is a subsidiary of Talanx writing personal lines including motor and household insurance in Austria. Comparable mid-sized player with multi-line personal products and digital distribution capabilities.
- Zurich Versicherung Österreich: Zurich's Austrian subsidiary writes personal and commercial P&C products to Austrian consumers and businesses. Comparable in product scope across motor, household, and liability lines within the same regulatory and competitive environment.
Broad incumbents
- Generali Versicherung Österreich: Generali Austria is part of the Generali Group and one of the top Austrian P&C insurers offering motor, household, home, and liability products. Overlaps with VAV's product set but operates at materially larger scale with broader distribution.
- UNIQA Insurance Group: UNIQA is Austria's largest domestic insurance group writing a full spectrum of personal and commercial P&C products. Competes with VAV across all personal lines but at significantly larger scale and brand recognition.
- Wiener Städtische Versicherung (Vienna Insurance Group): Wiener Städtische is the lead brand of Vienna Insurance Group, Austria's second-largest insurer with comprehensive personal and commercial offerings. Direct overlap with VAV across motor, household, and liability lines but with substantially greater scale.
- Allianz Versicherung Österreich: Allianz Austria is part of the global Allianz Group and a top-tier Austrian P&C insurer offering motor, household, and liability products. Direct product overlap with VAV but with vastly greater financial strength, brand reach, and broker network.
Regional players
- WGV Versicherung: WGV is a German mutual insurer known for direct-to-consumer motor and household insurance with strong digital distribution. Comparable mid-sized direct insurer model and multi-line personal product focus, but operating primarily in Germany rather than Austria.
- Die Bayerische: Die Bayerische is a German mid-sized insurer with a strong direct and digital distribution focus across motor, household, and liability products. Comparable in scale, digital-first positioning, and product breadth, but operating primarily in Germany rather than Austria.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
VAV Versicherung social profiles
Digital presenceVAV Versicherung compliance and trust
Trust signalCompliance13 records
VAV Versicherung financial estimates
Financial estimateRevenue estimate
Valuation estimate
VAV Versicherung leadership team
Management profileNumber of profiles
Profiles1 record
VAV Versicherung funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VAV Versicherung M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VAV Versicherung
What does VAV Versicherung do?
VAV Versicherung sells personal-lines insurance products for Austrian consumers, including motor vehicle insurance (auto, motorcycle, classic car, trailer), household and homeowners property insurance, legal expenses insurance, accident insurance, and personal and dog liability insurance. Products are offered in tiered variants (e.g., Individuell, Exklusiv, Top Exklusiv) with monthly subscription billing and are sold primarily through direct online channels, with additional distribution through insurance brokers and a network of KFZ registration offices across Austria. The meinVAV customer portal, online premium calculator, encrypted email service, and online damage reporting support the full customer lifecycle.
Is VAV Versicherung a public or private company?
VAV Versicherung is a private company. It is classified as corporate owned and is currently operating.
When was VAV Versicherung founded?
VAV Versicherung was founded in 1973. It employs 51 to 100 people.
Where is VAV Versicherung based?
VAV Versicherung is headquartered in Vienna, Austria, in the Europe region.
How does VAV Versicherung make money?
One revenue line is on record: insurance Premiums.
Who are VAV Versicherung's main competitors?
Direct peers on record are Donau Versicherung, Helvetia Versicherung Österreich, HDI Versicherung Austria and Zurich Versicherung Österreich. Broad incumbents are Generali Versicherung Österreich, UNIQA Insurance Group, Wiener Städtische Versicherung (Vienna Insurance Group) and Allianz Versicherung Österreich. Regional players are WGV Versicherung and Die Bayerische.
Does VAV Versicherung have an API?
No public API is recorded for VAV Versicherung.
What industry is VAV Versicherung in?
VAV Versicherung's product category is Personal Lines Insurance. Its primary akta.pro industry code is FSAJAMAC, Motor Vehicle Liability Insurance, with a secondary code of FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive). Its NAICS code is 52412 and its SIC code is 6331.