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All-round protection for automotive businesses
New insurance solutions for car dealerships were developed together with the Federal Vehicle Technology Guild.
All-round protection for automotive businesses
The Federal Vehicle Technology Guild has commissioned industry insurer Garanta to develop an all-inclusive insurance package for car dealerships and motor vehicle companies. “Conventional insurance offers are rarely tailor-made for our industry and therefore only offer patchy protection,” says Federal Guild Master Roman Keglovits-Ackerer. In order to acquire the necessary extensive knowledge, entrepreneurs would have to spend a lot of time and patience. “For many companies, however, there is not enough time for this,” says Keglovits-Ackerer, and continues: “We have therefore commissioned our industry insurer Garanta to develop an all-inclusive insurance package that is available through GÖS Garanta Austria Service.”
The aim of product development was to bundle all relevant risks for vehicle operation in one policy. A tariff structure that is differentiated according to sales volume makes Garanta special protection particularly interesting for small and medium-sized companies. "The amount of the premium depends on sales and can therefore be planned easily and precisely. Processing requires little effort for the car dealership, as there is only one invoice and a sales report," explains Erwin Mollnhuber, member of the Garanta management team. For federal committee lobbyist Klaus Edelsbrunner, it also makes sense to make inestimable risks in motor vehicle operations calculable in the form of insurance premiums and to cover them with suitable insurance solutions: "The standardized scope of coverage of Garanta Special Protection avoids gaps in risk insurance that threaten the existence of the company, and it protects companies from unexpected claims. Companies are well advised to deal with this issue in good time." “Garanta special protection” includes:
- Kfz-Haftpflichtschutz für eigene zugelassene Fahrzeuge des Kfz-Betriebs sowie für Fahrzeuge mit Probefahrtkennzeichen.
- Zusätzlich Kfz-Vollkaskoschutz mit optionaler Erhöhung von Leistungsgrenzen je Fahrzeug und/oder Schadenereignis.
- Betriebshaftpflichtrisiken wie z. B. Produkthaftpflicht, Mietsachschäden und Umweltrisiken, zusätzlich Privathaftpflicht.
- Komplettschutz für Sachwerte wie z. B. Betriebsgebäude, Vorräte und Kundenradsätze.