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Merkur Versicherung AG: cancelling, claims and complaints

Merkur Versicherung Aktiengesellschaft has its head office in Graz, Austria. The Austrian Financial Market Authority FMA lists it as an insurance company with company register number 38045z. This page explains where your cancellation goes, the notice periods under Austrian law, how to report a claim and where to complain.

How to cancel with Merkur Versicherung AG

Send the cancellation to the address on your policy. If none is given, the head office is right:

Merkur Versicherung Aktiengesellschaft
Conrad-von-Hötzendorf-Straße 84
8010 Graz
Austria

Open-ended contracts can be ended by either side only at the end of the current insurance period; the notice is set in the policy and lies between one and three months (section 8(2) of the Austrian Insurance Contract Act, VersVG). A consumer who signed for more than three years may cancel at the end of the third year and each later year with one month's notice (section 8(3) VersVG).

Give your policy number, your name and the date, and ask for confirmation of receipt.

Reporting a claim to Merkur Versicherung AG

  1. Report the loss as early as you can; policy conditions almost always require prompt notice.
  2. Keep the damage as small as is reasonable and do not throw anything away before the insurer has seen it.
  3. Collect photos, receipts and names of witnesses; for burglary and theft you also need a police report.
  4. Keep your policy number at hand.

Phone and website from the register; your policy takes precedence.

Complaints about Merkur Versicherung AG

In 2025 the insurance complaints office at the Austrian Ministry of Social Affairs handled 700 cases. The brand Merkur accounted for 2.38 per cent of complaints (previous year 3.06 per cent). For comparison the report gives a market share of 3.17 per cent, taken from the insurance association's annual report.

The report names brands, not individual companies. A higher share of complaints than of the market does not mean the complaints were justified.

Where to complain

Write to the insurer first. If that does not help, the insurance complaints office at the Ministry of Social Affairs accepts complaints about insurers; the FMA checks whether a company keeps to supervisory rules but does not decide individual cases. If the insurer rejects a claim in writing, a one year deadline to go to court can start (section 12(3) VersVG).

What Merkur Versicherung AG is licensed to insure

According to the register the company is licensed for 10 classes:

  • 01 Accident
  • 02 Sickness
  • 08 Fire and natural forces
  • 09 Other damage to property
  • 13 General liability
  • 16 Miscellaneous financial loss (limited to …)
  • 17 Legal expenses
  • 19 Life
  • 20 Marriage and birth assurance
  • 21 Unit and index linked life

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Questions

Where do I send a cancellation to Merkur Versicherung AG?

To the address on your policy, otherwise to the head office: Merkur Versicherung Aktiengesellschaft, Conrad-von-Hötzendorf-Straße 84, 8010 Graz.

How much notice do I need to give?

For open-ended contracts, at the end of the insurance period with the notice in the policy, between one and three months. Consumers can end contracts of more than three years at the end of the third year with one month's notice (section 8 VersVG).

Who supervises Merkur Versicherung AG?

The Austrian Financial Market Authority FMA.

Sources

Updated: 16 October 2026 · Insurers in Austria · Insurers in Germany