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Wertgarantie AT review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Wertgarantie AT is a gadget insurer for Austrian households that want theft and damage cover on a phone or laptop, and it scores 7.7 overall. Cover runs on the device's purchase price, with a specialist dealer option for claims, which suits buyers who want protection in place the day they buy.

Key facts

Best for
Gadget cover in Austria, paid monthly, claimed online or through a specialist dealer.
Premium from
€3.50↗
Insurance types
Gadget↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
Insured device purchase price up to EUR 10,000; smartphones up to EUR 2,500↗
Claims channels
Customer portal (online claim and theft report), Specialist dealer (Fachhaender) near the customer, Phone, Email, Live chat↗
Legal entity
WERTGARANTIE SE (Amtsgericht Hannover, HR B 208988)↗
Headquarters
Germany↗
Founded
1963↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Monthly
Official website
wertgarantie.at

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInde-de.facebook.com

Pros and cons

Pros

  • Claims can go through a customer portal, a specialist dealer near the customer, phone, email or live chat (Customer portal (online claim and theft report), Specialist dealer (Fachhaender) near the customer and Phone).
  • Support runs on email, chat, phone and a help centre (email, chat and phone).
  • Founded in 1963 and based in Germany, the brand is an insurer rather than a middleman.
  • Cover limits follow the device purchase price, so a pricier device is not squeezed into a phone sized cap.

Cons

  • The only insurance type listed is gadget, so the Austrian site does not cover other categories.
  • Smartphones sit under a lower cover limit than the wider insured device limit, so a high value phone can push past it.
  • The only pricing model listed is monthly, so there is no annual option to set against it.
Wertgarantie AT

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Austrian households buying a new phone or laptop who want cover from the day of purchase.
  • People who would rather handle a claim through a specialist dealer nearby.
  • Buyers who prefer to pay monthly rather than commit to a longer term.

Who should look elsewhere

  • bunq, at a €0 premium, if you want an everyday money account rather than gadget cover.
  • bunq Spain, also at a €0 premium, if another market suits you better than Austrian device cover.
  • Linxea, where premiums start at €25, if you are weighing a higher starting figure.

Safety of your money

The Austrian site lists Wertgarantie AT as an insurer rather than a broker, so the cover is underwritten by the company that issues the policy and the terms sit with it at claim time. The group is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), and the brand is part of an insurance group rather than a comparison site or an intermediary.

How Wertgarantie AT compares

Where Wertgarantie AT is available

Available
Austria, Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does gadget cover cost on the Austrian site?+

Premiums start at €3.50 on the Austrian site, under the site median €8.31. Monthly payments are available, which spreads a small opening premium instead of asking for a full term up front. The exact price follows the device and the cover chosen.

What is covered, and what is the limit?+

The cover limit is tied to what you paid for the insured device, and smartphones sit under a lower ceiling than the wider device limit. The Austrian site sells gadget insurance, so a high value phone can reach the smartphone limit even where the wider device limit is higher.

How do I report a claim?+

Claims can start in a customer portal for online claim and theft reports, through a specialist dealer near you, by phone, by email or on live chat (Customer portal (online claim and theft report), Specialist dealer (Fachhaender) near the customer and Phone). The dealer route means a broken or stolen device can be handled in person as well as online.

Who stands behind the policy?+

The Austrian site lists the provider type as insurer, and the group is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). The legal entity behind the brand is WERTGARANTIE SE (Amtsgericht Hannover, HR B 208988). Because cover sits with the insurer rather than a broker, the policy terms are what matter at claim time.

Can I pay monthly instead of yearly?+

Monthly payments are available, and monthly is the only pricing model listed. That suits buyers who want cover to start as soon as a new device is bought rather than committing to a longer period, and it keeps the opening outlay small.

What support can I reach?+

Support runs on email, chat and phone, so email, chat, phone and a help centre are all listed. That mix suits people who prefer to read in the help centre first, then call if the answer is not there. Claims have their own set of channels on top of this.

How long has the brand been around?+

The brand is an insurer founded in 1963 and based in Germany. A long operating record matters for gadget cover, since damage and theft claims often arrive long after the device was bought, and the policy has to still be in force.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Wertgarantie AT

Wertgarantie AT

Gadget cover in Austria, paid monthly, claimed online or through a specialist dealer.

9.4/10Visit