VVO

What VVO does

Verband der Versicherungsunternehmen Österreichs (VVO) is the industry association representing all private insurance companies operating in Austria. Founded in 1898 and headquartered in Vienna, the association supports members across legal, tax, economic, and international matters, acts as the statutory collective bargaining body under §4 Arbeitsverfassungsgesetz, and serves as the recognized industry lobbyist under §4 Ziff. 8 LobbyG. VVO also administers the state-delegated Kfz-Zulassungssystem (motor vehicle registration system) that coordinates approximately 1,200 registration points nationwide, processes insurance confirmations and cross-border Green Card claims, and operates public-facing services such as the KFZ-Versichererauskunft (liability insurer directory), Kfz-Zulassungsstellenauskunft (office locator powered by GeoMagis), and an accident reporting form for foreign-vehicle incidents.

VVO's technology stack centers on the VVOnet member portal and the award-winning HORA natural hazard platform. HORA, co-developed with BML, TU Wien, and VRVis since the 2002 floods and launched as a digital hazard map in 2006, was upgraded to HORA 3D in June 2023 using VRVis's VISDOM software for interactive 3D flood scenario visualization. Integration partners include GeoMagis (geolocation), Hobex (payment processing), CleverReach (email distribution), and internex (hosting). The organization also partnered with the Austrian Chamber of Pharmacists in 2023 to enable digital pharmacy billing via QR codes for Austria's 3.4 million private health insurance policyholders.

VVO's revenue model is membership-dues funded, supplemented by publication sales (annual reports, collective agreements, model clauses) via an online shop. With 51–100 employees, the organization delivers shared services including collective bargaining representation, regulatory advocacy, industry data and annual statistics, the KFZ registration infrastructure, the HORA hazard platform, and an information and complaints office. The association has no parent company, no external investors, and operates exclusively within Austria.

Name

VVO

Legal name

Verband der Versicherungsunternehmen Österreichs

Website

https://www.vvo.at

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

51–100 employees

Short description

VVO (Verband der Versicherungsunternehmen Österreichs) is the Vienna-based industry association founded in 1898 that represents all Austrian private insurance companies, providing advocacy, shared infrastructure including a nationwide KFZ registration system for 1,200 points, and the award-winning HORA natural hazard platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Dues: VVO is funded by membership dues from all private insurance companies operating in Austria. As the association representing the interests of all private insurers, the organization receives contributions from its member companies to fund its advocacy, services, and operational activities.
2. Publication Sales: VVO operates a shop selling publications including annual reports, collective agreements (Kollektivverträge), sample conditions, model clauses, and information sheets to members and the public.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

VVO is the Association of Austrian Private Insurance Companies, representing the interests of all private insurers operating in Austria. It provides member insurance companies with advocacy, shared motor vehicle (Kfz) registration infrastructure, collective bargaining representation, industry statistics, and legal/tax support. For the general public, VVO offers motor vehicle insurance lookup tools, an information and complaints office, accident reporting services, and the HORA natural hazard risk mapping platform.

Product overview

VVO operates as an insurance industry association providing a coordinated suite of digital services for the Austrian insurance sector and the public. The core offerings center on motor vehicle (Kfz) services: the Kfz-Versichererauskunft enables vehicle insurance liability lookups, the Kfz-Zulassungsstellenauskunft locates nearby registration offices via GeoMagis-powered mapping, and the KFZ-Unfall-Formular handles foreign-vehicle accident reporting. Supporting directories include Turnus Ermittlung, KFZ-4KH Ermittlung, Korrespondenzunternehmen, and Grüne Karte Büros. These are accessed through the VVOnet member portal. Additional services include the Informations- und Beschwerdestelle for consumer complaints and a Publications shop for annual reports and standard terms. A notable public-facing initiative is HORA 3D, an award-winning 3D natural hazard visualization platform developed with BML, TU Wien, and VRVis to help Austrians assess flood and climate risks.

Differentiator

Problem solved

Functional benefit

Products and services

• Kfz-Versichererauskunft (Vehicle Insurance Inquiry) Online directory service enabling lookup of motor vehicle liability insurers for vehicles registered in Austria, based on §31a KHVG. Integrates with Green Card system for cross-border inquiries. For non-mandatory insurance vehicles per §59 KFG 1967, provides holder name and address instead.
• Kfz-Zulassungsstellenauskunft (Vehicle Registration Office Locator) Interactive map-based search tool to find the nearest of approximately 1,200 motor vehicle registration points across Austria by address entry or district selection. Includes route calculation and printable details. Uses GeoMagis GmbH for geolocation services.
• KFZ-Unfall-Formular (Vehicle Accident Report Form) Online accident reporting form for traffic accidents involving foreign-registered vehicles. Collects accident details, involved parties, insurance information, and document uploads up to 100MB. Data retained up to 30 years for claim processing. Integrates with the foreign damage office (Auslandsschadenbüro).
• HORA 3D (Hochwasserrisikozonierung Austria) Interactive 3D visualization platform for natural hazard risk assessment in Austria. Provides personalized flood risk scenarios, protection measure simulations, and hazard mapping for properties. Public-private partnership with BML since 2002, awarded the Austrian Administrative Award 2025 and State Prize for Climate Change Adaptation 2024.
• VVOnet Portal Secure member portal providing access to all VVO services including insurance lookups, accident reporting, registration inquiries, and publication downloads. Requires login credentials. Accessible at vvonet.vvo.at.
• Informations- und Beschwerdestelle (Information and Complaint Office) Contact service for policyholders with questions about insurance contracts or complaints against insurers. Data retained for three years for complaints processing. Accessible via the VVOnet contact form.
• VVO Publications Shop Online shop selling publications including annual reports (Jahresberichte), collective agreements (Kollektivverträge), sample insurance conditions (Musterbedingungen), model clauses (Musterklauseln), and information sheets (Infoblätter) to members and the public.
• KFZ Registration Network Coordination Approximately 1,200 motor vehicle registration points nationwide coordinated through VVO's Kfz-Zulassungssystem, where vehicle owners can register and deregister vehicles in any district matching their primary residence. Registration takes up to five minutes. Operated on behalf of the Austrian state.

Quantifiable outcome

• Over €48 million in daily benefit payments to Austrian insurance customers
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

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

• AVÖ (Aktuarvereinigung Österreichs)majorStrategic or Co-development Partner · 1 November 2025VVO and AVÖ jointly launched the 'Austrian Actuary' initiative to promote careers in actuarial science, attract young talent to the insurance industry, and raise awareness of the actuary profession through a dedicated website (www.austrian-actuary.at) and marketing campaign.
• GeoSphere AustriacoreTechnology or Integration · 1 February 2024GeoSphere Austria (formerly ZAMG) collaborates on the CESARE national disaster database and provides weather warning data for HORA, having issued over 12,000 orange/red weather warnings in 2023. Also coordinates the AMAS project for impact-based weather warnings.
• GVFW (Gesellschaft für Versicherungsfachwissen)minorGTM or Marketing Partner · 1 January 2024VVO forwards member information about GVFW events based on its legitimate interest in keeping members informed about insurance training opportunities. Data may be shared with GVFW for event coordination.
• EFS Unternehmensberatung GesmbHminorOthers · 1 January 2024EFS Unternehmensberatung GesmbH provides the Data Protection Officer (Jonas Wagner) who serves as VVO's external DPO, reachable via [email protected].
• Österreichische Apothekerkammer (Austrian Chamber of Pharmacists)majorStrategic or Co-development Partner · 1 November 2023VVO member health insurers partnered with the Austrian Chamber of Pharmacists to enable digital pharmacy bill submission via QR code scanning through customers' insurance apps, simplifying reimbursement for the 3.4 million private health insurance policyholders in Austria.
• VRVis Zentrum für Virtual Reality und VisualisierungcoreTechnology or Integration · 1 June 2023VRVis provided the technical implementation of HORA 3D using its VISDOM software, enabling the interactive 3D visualization of flood scenarios. VRVis is a research center specializing in visual computing technology.
• TU Wien (Günter Blöschl research group)coreTechnology or Integration · 1 June 2023The Technical University of Vienna led the hydrodynamic flood modeling underlying HORA 3.0, providing the scientific foundation for high-resolution flood simulation across Austria.
• BML (Bundesministerium für Land- und Forstwirtschaft, Regionen und Wasserwirtschaft)coreStrategic or Co-development Partner · 1 January 2002VVO and BML co-founded the HORA (Hochwasserrisikozonierung Austria) project shortly after the catastrophic 2002 flood. BML provides federal funding (over €115 million annually for flood protection) and co-develops the HORA natural hazard platform. This is a Public-Private Partnership that launched HORA as a digital hazard map on June 1, 2006, and has since expanded it to HORA 3D.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@VVO_Versicherungsverband
• LinkedInlinkedin.com/company/65168474

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 VVO