Private Liability Insurance
Please note: Private liability insurance is generally included in flat insurances and homeowner insurances.
The most important and yet the least expensive insurance cover is third-party private liability insurance. This essential insurance is intended to give you more than just peace of mind, and it is strongly recommended. It will provide cover for you or any insured member of your family in the event that you commit an act for which an Austrian court would consider you ordinarily negligent.
This could be a simple matter of damaging someone else's property, for instance knocking over a vase while visiting a friend or in a shop, or causing an accident as a pedestrian by not crossing at the zebra crossing, causing bodily injury whilst skiing, or engaging in other sporting activities.
We recommend coverage of at least 1 million Euros for a family. Saving by taking out a cheap policy with limited coverage is very much a false economy.
Third-party private liability insurance will not provide cover horses, anyone driving a car, piloting a plane, or sailing a boat. All of these require separate insurance policies. Liability insurance for dogs is usually included in homeowner insurances, but not in flat insurances.