Fully Comprehensive Car Insurance - restrictions?

Hi and welcome to the Forum.

I know nothing about Austrian road traffic law, but a bit about EU law and have worked with Fleet Insurance over the past 25 years; the minimum Insurance requirements are for 3rd party cover across the whole EU; this link to the EU website describes this.

Like you, I can't find anything on the Internet that says that cars over 10 years (anywhere) are exempt from Comprehensive cover; in fact, all cars are exempt fully comprehensive.  The only requirement for fully comprehensive cover I've ever heard of is for Contract Hire/Rental vehicles while under a lease contract and it would be unusual to find a fleet vehicle of that age still on contract.

Nationals government's do not provide Insurance cover and insurance costs are all about risk, which the Government does not underwrite.  The older a car becomes does not reduce risk, in fact, the opposite could be argued.

So I think that either you've been misinformed, or somebody has misunderstood the requirements.  Whatever, if you do get Comprehensive cover for the price of a 3rd party policy, then please come back and let us know the details so we can spread the word.

Hope this helps.

Cynic
Expat Team