Travel insurance for self-drivers

Due to the current political and military situation, the sanctions, airspace closures and deactivated payment facilities we currently do not offer insurance for travel to Israel, to Ukraine, Russia or Belarus.
For any trip abroad please inform yourself also about the current country-specific security advices of the Ministry of Foreign Affairs: https://www.bmeia.gv.at/reise-services/laender/
Status 09.10.2023

CoachRailCar-CompleteCover can also be taken out for business trips. Please note however that CoachRailCar-CompleteCover does not provide any cover for business luggage and manual activities that have to be carried out during the trip for professional reasons.
If you are looking for a product that offers cover in this situation also, we recommend our annual product Annual-CompleteCover extended with the additional package "Business luggage & manual activity". 

If you unexpectedly fall ill during an insured trip, we reimburse the costs of inpatient treatment until we can transport you back to Austria, even if the originally planned end of the trip has already passed.

The most important insured reasons for cancellation:

• unexpectedly occurring illness, health consequences resulting from an accident or death of the insured person or family members. Family members shall be the spouse (or registered life partner or live-in partner in a joint household), the children (stepchildren, children-in-law, grandchildren, foster children, adopted children), the parents (step parents, parents-in-law, grandparents, foster parents, adopted parents), the siblings, stepsiblings and brothers-in-law and sisters-in-law of the insured person; in the case of registered life partner or live-in partner in a joint household also their children, parents and siblings. 
• existing illness of the insured person or family members, if it unexpectedly becomes medically acute
• significant material damage to the property of the insured person at one of their domiciles as a result of an act of God (flood, storm etc.), fire, burst water pipe or criminal act of a third party which requires their presence;
• loss of job without fault, as a result of notice of termination issued by the employer; 
• Submission of a divorce or dissolution suit (in the case of amicable separation, the corresponding application) at the competent court or Giving up common place of residence before the insured joint trip of the affected spouse or life partner;
• unexpectedly occurring illness, or physical injury caused by an accident, of a dog, cat or horse (pets) whose permanent owner is the insured, making your presence absolutely necessary;
• neighbourly assistance by the insured in the event of a disaster;

All insured reasons for cancellation can be found in Product Information.

Who is authorised to cancel?

If an insured event occurs (e.g. a person falling sick), the following insured co-travellers can also cancel:

• family members of the insured person affected. Family members shall be the spouse (or registered life partner or live-in partner in a joint household), the children (stepchildren, children-in-law, grandchildren, foster children, adopted children), the parents (step parents, parents-in-law, grandparents, foster parents, adopted parents), the siblings, stepsiblings and brothers-in-law and sisters-in-law of the insured person; in the case of registered life partner or live-in partner in a joint household also their children, parents and siblings. 
• a maximum of six further persons per insured Event.

The family tariff applies to up to 7 persons travelling together, not more than 2 of whom are adults (21st birthday before the day of departure).
These persons do not have to be related to each other. A joint residence is not required.
When the premium is being calculated the family tariff is automatically proposed if this is more favourable for you than the single tariff and you enter a maximum of 7 persons of whom not more than 2 are adults.

The CoachRailCar-CompleteCover applies in respect of trips in Europe.

The “Europe“ area of validity includes Europe in the geographical sense, all the Mediterranean states and islands, Jordan, Madeira, the Azores and the Canary Islands, with the exception of Belarus, Russia, Syria, Crimea and the regions of Donetsk, Zaporizhzhia, Kherson and Luhansk. 

These states are, precisely: Egypt; Albania; Algeria; Andorra; Belgium; Bosnia and Herzegovina; Bulgaria; Denmark including the Faroe Islands (not Greenland); Germany; Estonia; Finland; France (excluding the overseas territories); Greece; Great Britain and Northern Island including the Shetland Islands, the Orkney Islands, Gibraltar, the Channel Islands and the Isle of Man; Ireland; Iceland; Israel including the Gaza strip, West Jordan and the Golan Heights; Italy; Jordan; Kosovo; Croatia; Latvia; Lebanon; Libya; Liechtenstein; Lithuania; Luxemburg; Macedonia; Malta; Morocco (not the western Sahara occupied by Morocco); Moldavia; Monaco; Montenegro; the Netherlands; Norway including Spitzbergen; Bear Island and Jan Mayen Island; Austria; Poland; Portugal including Madeira and the Azores; Romania; San Marino; Sweden; Switzerland; Serbia; Slovakia; Slovenia; Spain including the Canary Islands, the Balearic Islands, Ceuta and Melilla; the Czech Republic; Tunisia; Turkey; Ukraine (with the exception of Crimea and the regions of Donetsk, Zaporizhzhia, Kherson and Luhansk); Hungary; the Vatican State; Cyprus.

For trips to other countries, we recommend CompleteCover.

Yes, if your actual means of transport is a coach, train or your own vehicle, and you are only using a ferry for a short part of your journey, you can still take out CoachRailCar-CompleteCover. For Mediterranean cruises, air travel and hire car (Fly & Drive) and similar trips, please select CompleteCover.

Provided you have not started your trip, you can take out a CoachRailCar-CompleteCover policy. If you take out cover via the Internet site, your insurance policy and the complete Information will be displayed for download immediately by way of confirmation. You will also receive your policy by email within the following few minutes. Insurance policies with trip cancellation benefits must be taken out within 3 days of booking the trip at the latest. If the insurance is taken out after this date, trip cancellation insurance cover is only provided for events that occur from the 10th day after the insurance is taken out (excluding accident, death or Act of God). Please note the special provision on "Pregnancy" as the reason for cancellation, under Section 11 subsection 2.1.5. of Insurance Conditions.
For example: if you book your summer holiday in January and take out travel insurance on 1 March, the cover in respect of cancellation does not start until 11 March.

If you take out CoachRailCar-CompleteCover via our Internet site, your insurance policy and the complete Information will be displayed for download immediately by way of confirmation. You will also receive your policy by email within the following few minutes.