Garanta Versicherungs

What Garanta Versicherungs does

Garanta Versicherungs-AG Österreich is an Austrian specialty motor-vehicle insurer founded in 1989 and headquartered in Salzburg, operating as a stock corporation (Aktiengesellschaft) under the legal form of a branch (Zweigniederlassung) of the German GARANTA Versicherungs-AG, which is 100% owned by NÜRNBERGER Allgemeine Versicherungs-AG. The company focuses exclusively on Kfz-Versicherung (vehicle insurance), offering motor liability, partial and full comprehensive coverage, accident partial comprehensive, used-vehicle coverage, passenger accident insurance, motorcycle insurance and legal protection, plus niche products such as the TopKlassik classic-car policy (vehicles 30+ years old) and GAP-Deckung for financed motorcycles.

Its product surface is matched by dedicated dealer-facing infrastructure: the proprietary VIPS partner portal handles underwriting, policy administration and broker referrals; easyBT is a customer self-service portal with electronic signature; and Garanta operates its own physical Kfz-Zulassungsstellen (vehicle registration offices) plus an online registration channel. Supporting services include the GARANTA Leistungs-Center (claims) with 24-hour payment commitments, the GARANTA Competence Center (customer service), and the GARANTA Akademie training platform with live webinars and IDD-compliant courses for sales partners.

Revenue is generated through recurring annual premiums distributed across two primary segments: private motorists (cars, motorcycles, classic cars) and Austria's automotive trade. The go-to-market relies on a captive dealer network of more than 1,000 Austrian car dealerships, complemented by multi-brand importer endorsement partnerships (Ford, Honda, Hyundai, Kia, Mazda, MG, Stellantis, Subaru, Suzuki, YAMAHA), an inside sales team using a Tippgeber-Provision referral model, eight regional area managers plus one sales director covering all federal states, and bundled commercial products (Betriebs-Haftpflichtschutz, Händler-/Importeurs-Rechtsschutz, GARANTA Spezial-Schutz). Insurance products and dealer packages are developed jointly with the Wirtschaftskammer Österreich. Operational oversight sits with BaFin (Germany) and Austria's FMA. As announced on 13 July 2026, DONAU Versicherung (Vienna Insurance Group) will acquire the Austrian GARANTA operations as part of VIG's takeover of the NÜRNBERGER Versicherungsgruppe.

Name

Garanta Versicherungs

Legal name

GARANTA Versicherungs-AG Österreich

Website

https://garanta.at

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

Garanta Versicherungs-AG Österreich is an Austrian specialty motor-vehicle insurer serving private motorists, motorcyclists, classic-car owners, and the country's automotive trade through a 1,000+ car dealership network; a 100%-owned subsidiary of NÜRNBERGER Versicherung, with announced 2026 acquisition by DONAU Versicherung (Vienna Insurance Group).

Ownership category

akta.pro rank

Product category

Motor Vehicle Insurance

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC)

Keywords

• Motor vehicle insurance
• Automotive trade insurance
• Classic car insurance
• Dealer legal protection
• Vehicle liability coverage

Headquarters

HQ city

Salzburg

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Kfz-Versicherungsprämien: Prämieneinnahmen aus Kfz-Haftpflicht-, Vollkasko- und Teilkasko-Versicherungen für Fahrzeuge aller Art (Autos, Motorräder, Oldtimer)
2. Rechtsschutz-Versicherung: Verkehrs-Rechtsschutz-Versicherung für Fahrzeughalter
3. Insassenunfall-Versicherung: Unfallversicherung für Fahrzeuginsassen mit individuellen Leistungspaketen
4. Betriebs-Haftpflichtschutz: Haftpflichtversicherung für Kfz-Betriebe mit wählbaren Versicherungssummen (3 oder 5 Mio. Euro)
5. Händler-Rechtsschutz: Rechtsschutzversicherung für Kfz-Händler und Werkstätten inkl. Forderungsmanagement
6. Importeurs-Rechtsschutz: Rechtsschutzversicherung für Kfz-Importeure mit hohen Deckungssummen
7. GARANTA Spezial-Schutz: Branchenspezifische Betriebsversicherung für Kfz-Betriebe mit Kfz-, Haftpflicht- und Sachversicherung in einem Vertrag

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

GARANTA Versicherungs-AG Österreich is a specialist motor vehicle insurer selling Kfz-Haftpflicht, Vollkasko, Teilkasko, Unfallteilkasko, Gebrauchtwagen-Kasko, Insassenunfall, Motorrad and Oldtimer TopKlassik policies to individual vehicle owners, plus commercial packages (Betriebs-Haftpflichtschutz, Händler-Rechtsschutz, Importeurs-Rechtsschutz, GARANTA Spezial-Schutz) to the Austrian automotive trade. Policies are priced annually with a Superbonusstufe 5 bonus-malus system and sold primarily through more than 1,000 Austrian car dealership partners, with own Kfz-Zulassungsstellen and online registration services completing the offering.

Product overview

GARANTA Versicherungs-AG is an Austrian vehicle insurance specialist and subsidiary of Nürnberger Versicherung, operating as a stock corporation (Aktiengesellschaft) under German law. The company offers a comprehensive portfolio of motor vehicle insurance products through a network of over 1,000 car dealership partners across Austria. The core product lineup includes Kfz-Haftpflicht-Versicherung (mandatory vehicle liability), Vollkasko-Versicherung (full comprehensive with 2 variants and up to 5 bonus stages), Teilkasko-Versicherung (partial comprehensive), Unfallteilkasko-Versicherung (accident partial comprehensive), Gebrauchtwagen-Kasko (used vehicle coverage), Insassenunfall-Versicherung (passenger accident insurance), Motorrad-Versicherung (motorcycle insurance with GAP-Deckung option), and Oldtimer-Versicherung TopKlassik (classic vehicle insurance for 30+ year old cars). For business partners, GARANTA offers commercial insurance solutions including Betriebs-Haftpflichtschutz, Händler-Rechtsschutz, Importeurs-Rechtsschutz, and the bundled GARANTA Spezial-Schutz package. The company operates proprietary digital platforms VIPS (vehicle insurance policy system for sales partners) and easyBT (customer portal with electronic signature). Supporting services include company-operated Kfz-Zulassungsstellen (vehicle registration offices), the GARANTA Competence Center for customer service, GARANTA Leistungs-Center for claims processing, GARANTA Vertrieb field sales team, and training programs through the GARANTA Akademie. The subsidiary GÖS GARANTA Österreich Service GmbH provides specialized coverage for car dealerships. Founded in 1989, GARANTA has been operating in Austria for over 35 years.

Differentiator

Problem solved

Functional benefit

Brands

• TopKlassik: Special classic car insurance product for vehicles 30+ years old
• MiniMax

Products and services

• Kfz-Haftpflicht-Versicherung
• Vollkasko-Versicherung
• Teilkasko-Versicherung
• Unfallteilkasko-Versicherung
• Gebrauchtwagen-Kasko
• Insassenunfall-Versicherung
• Motorrad-Versicherung
• Oldtimer-Versicherung TopKlassik
• Verkehrs-Rechtsschutz-Versicherung
• Betriebs-Haftpflichtschutz
• Importeurs-Rechtsschutz
• Händler-Rechtsschutz
• GARANTA Spezial-Schutz
• GAP-Deckung
• Kfz-Zulassungsstellen
• GÖS GARANTA Österreich Service GmbH

Quantifiable outcome

• Über 1000 Autohäuser in Österreich arbeiten mit GARANTA zusammen
• +3 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

17 partnerships are on record, tiered core, minor and major.

• Wirtschaftskammer ÖsterreichcoreStrategic or Co-development PartnerDie GARANTA entwickelt ihre Versicherungen in enger Abstimmung mit der Wirtschaftskammer. Die Versicherungslösungen für das Kfz-Gewerbe wurden gemeinsam mit den Interessensvertretungen in der Wirtschaftskammer entwickelt.
• Verband der Versicherungsunternehmen ÖsterreichsminorOthersDie GARANTA Versicherungs-AG Österreich ist Mitglied im Verband der Versicherungsunternehmen Österreichs, Schwarzenbergplatz 7, 1030 Wien.
• GÖS GARANTA Österreich Service GmbHcoreStrategic or Co-development PartnerDie GÖS bietet allen Autohäusern in Österreich Versicherungslösungen maßgeschneidert für den Autohandel und den Kfz-Betrieb. Kooperationspartner für Versicherungsschutz für Autohäuser.
• GÖVD GARANTA Österreich Vermittlungsdienst Ges.m.b.HcoreChannel Partner/ Reseller/ DistributorGÖVD ist der Vermittlungsdienst für die GARANTA. Das Team unterstützt Autohäuser bei der Vermittlung von Versicherungsprodukten und bietet maßgeschneiderte Beratung.
• Ford Motor Company (Austria) GmbHmajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. Ford empfiehlt GARANTA Versicherungen für Ford-Fahrzeuge.
• Honda AustriamajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. Honda empfiehlt GARANTA Versicherungen für Honda-Fahrzeuge.
• Hyundai Import Gesellschaft m.b.H.majorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. Hyundai empfiehlt GARANTA Versicherungen für Hyundai-Fahrzeuge.
• Kia Motors AustriamajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. Kia empfiehlt GARANTA Versicherungen für Kia-Fahrzeuge.
• Mazda AustriamajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. Mazda empfiehlt GARANTA Versicherungen für Mazda-Fahrzeuge.
• MG AustriamajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. MG empfiehlt GARANTA Versicherungen für MG-Fahrzeuge, inkl. E-Auto-Ladetipps in Blog-Kooperation.
• Stellantis Bank SA ÖsterreichmajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen und Finanzdienstleistungen. Stellantis Financial Services bietet Finanzierungs- und Versicherungslösungen an.
• Subaru AustriamajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. Subaru empfiehlt GARANTA Versicherungen für Subaru-Fahrzeuge.
• Suzuki AustriamajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. Suzuki empfiehlt GARANTA Versicherungen für Suzuki-Fahrzeuge.
• YAMAHA Motor AustriamajorGTM or Marketing PartnerKooperationspartner für Kfz-Versicherungen. YAMAHA empfiehlt GARANTA Versicherungen für Motorräder und Roller.
• actis KommunikationsberatungminorOthersActis Kommunikationsberatung fungiert als Servicestelle für allgemeine Fragen rund um Zahlen und Produkte der GARANTA sowie für Presseanfragen. Pressekontakt: Mag. Manfred Sadjak.
• INKO InkassoinstitutminorImplementation/ SI/ Consulting PartnerINKO, das größte in privater Hand befindliche österreichische Inkassoinstitut, ist Partner für Forderungsmanagement in der Händler-Rechtsschutz-Versicherung.
• P8 Marketing GmbHminorOthersP8 Marketing GmbH aus Innsbruck ist verantwortlich für Konzept, Design und Programmierung der GARANTA Website. Erstellte auch die Barrierefreiheits-Bewertung.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• DEURAG Deutsche Rechtsschutz-Versicherung: German specialty legal-protection insurer, comparable to Garanta as a focused niche carrier within the German insurance landscape. Relevant for cross-comparison of specialty underwriting economics in DACH.
• HUK-COBURG Versicherungsgruppe: Germany's largest motor-vehicle specialist insurer, with similar positioning to Garanta as a Kfz-Spezialversicherer serving private customers and the automotive trade. Directly comparable business model, though operating at much larger German scale.
• Wiener Städtische Versicherung (VIG): Major Austrian motor and multi-line insurer within the Vienna Insurance Group, serving Austrian consumers through a direct and broker channel. Competes head-to-head with Garanta in the Austrian personal and commercial Kfz market.
• DONAU Versicherung (Vienna Insurance Group): Austrian motor and property insurer within the Vienna Insurance Group, directly comparable as a domestic Kfz insurer and the named acquirer of Garanta following VIG's takeover of NÜRNBERGER. Operates overlapping motor products for Austrian consumers and dealer partners.

Broad incumbents

• Generali Versicherung (Austria): Major Austrian insurer offering motor and non-motor lines through agent and partner networks. Overlaps with Garanta in Kfz while operating a much broader product portfolio nationally.
• UNIQA Insurance Group: One of the largest Austrian insurance groups, offering motor, property, life and health insurance through a national branch and partner-dealer network. Overlaps with Garanta in Austrian Kfz but operates at much larger scale across multiple lines.
• Allianz Versicherung (Austria): Austrian arm of global insurer Allianz, offering motor, property and life products via agents, brokers and direct channels. Competes with Garanta in Austrian personal auto but as part of a broad multi-line portfolio.
• Helvetia Versicherung (Austria): Austrian arm of Swiss insurer Helvetia, offering motor, home and life products through agent and broker channels. Overlaps with Garanta in Austrian personal auto but with a broader portfolio focus.
• Zürich Versicherung (Austria): Austrian subsidiary of global insurer Zurich, offering motor and non-motor lines via agents and brokers. Competes with Garanta in Austrian Kfz while operating a multi-line portfolio.

Emerging players

• Verti Versicherung AG: Digital-first German motor insurer (part of MAPFRE group), focused on direct-to-consumer Kfz sales online. Comparable to Garanta on product line but represents a disruptive channel model that threatens traditional dealer-distributed motor insurance.

Market position

Strengths5 records

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@garantaversicherung
• Facebookfacebook.com/GARANTAVersicherung
• LinkedInlinkedin.com/company/garanta-versicherung

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Garanta Versicherungs