Whether you ’ re moving to Austria with a car or looking to buy a bright new bent of wheels, here ’ s all you need to know about car insurance in Austria .
Before you get to grips with driving in Austria, you ’ ll want to make certain that you know the rules of the road and get insured. fortunately for expats moving to Austria, there are enough of car indemnity policies to choose from, vitamin a well as other types of indemnity, such as home/contents indemnity, life indemnity, and liability indemnity .
To help get you set up, this lead provides the following data :

Car insurance in Austria

The Insurance Association Austria regulates car indemnity in Austria. If you wish to own a cable car there, you will need to buy Haftpflichtversicherung ( third-party liability ) policy before you hit the road. This covers damage caused to others in an accident. however, you will find that many companies that provide cable car financing in Austria will require more comprehensive policy to approve the finance.

Classic cars
overall, there are a number of factors that will determine your indemnity price in Austria. Inexperienced drivers, for exemplify, will pay more than those who have driven longer. Cars with smaller, less brawny engines will besides pay less, as will those living in rural areas as opposed to busy urban centers. If you have a effective no claims driving phonograph record where you presently live, it is besides possible to get credit for it in Austria. You ’ ll need a letter from your current insurance company to give to your fresh agent in Austria. In general, Austria is considered to be expensive when it comes to car insurance and you will need to pay anything from between €60 and €150 per month .
In Austria, the fomite owner ( policyholder ) is covered by policy a well as any extra empower drivers. Trailers must be insured and registered individually from cars. You may insure up to three cars on the like license home plate vitamin a long as they are the like type of fomite .

Can you use car insurance from another country in Austria?

When you temporarily move to Austria from another EU-country, your existing indemnity policy will still be valid for the contract period. If you move permanently, however, your fomite has to be registered in Austria within one calendar month of arrival. You must obtain third-party liability indemnity with an authorize austrian insurance company in order to get your car registered at the vehicle registration office ( or Zulassungsstelle ) .

Types of car insurance in Austria

There are three main types of car policy in Austria, but the lone compulsory indemnity is third-party liability. The others are optional, but much advisable. Below is an overview of the three .

Third-party liability insurance

This is required by law to register your car. Third-party liability covers damages to early people ’ mho health or place .

Partial coverage

partial derivative coverage is optional extra coverage. This covers damages to your cable car from events such as break-ins, shatter field glass, and damages while parked to things like animal damage, fire, and larceny .

Full coverage

besides optional, as the list suggests, fully coverage includes all of the above deoxyadenosine monophosphate well as damages to your car after accidents .

Additional forms of car insurance in Austria

In Austria, you can get yourself a identical handy Green Insurance Card ( Green Card ) which proves that you have the minimum compulsory indemnity cover to drive in the nation you are visiting. presently, the Green Card system covers 47 countries, including most, but not all, european countries. primarily, the Green Card is a european system. If you are stopped at the frame of a nation that is covered by the Green Card system, you need only show them your green Card to confirm that you have valid car insurance .

Car insurance bonuses and penalties in Austria

austrian insurers use the Bonus-Malus ( Latin for ‘ good-bad ’ ) system. In other countries, this is known as no claims bonus. This system regulates no claims periods which in turn lower the bounty. basically, premiums increase when claims are made. basically, this means that your claims history affects your insurance premiums. additionally, different insurers offer different levels of Bonus-Malus discounts. fortunately, although insurers in Austria are not required to recognize claims history from early EU countries, they broadly do .
Fast red car
typically, with a fomite liability title, your classification will be downgraded by three levels. There are 18 levels in the austrian system .
notably, if you are wondering where you presently sit in the Bonus-Malus system, you can ask your insurance company for a record of any claims made over the last five years. They are required to provide this within 15 days .

Car insurance companies in Austria

To help you get started, here are some of the independent indemnity companies in Austria :

  • Allianz – an award-winning international insurer with a proven commitment to sustainability
  • Grawe – an independent Austrian group growing throughout Europe since 1828
  • Zurich – an international group with big CSR goals and plenty of awards under its belt
  • Nexible – an InsurTech company using smart technologies to insure clients
  • VAV – an insurance broker and complete online provider

You can find a wax list of insurers to choose from on the VVO web site .

Choosing car insurance in Austria

importantly, when choosing your car policy provider in Austria, it ’ s a good estimate to have a checklist of the things that you are looking for, such as :

  • how broad the coverage is
  • the amount of excess you have to pay
  • if no claims reductions are offered
  • the company’s reputation
  • how easy/difficult they make the claims process
  • if roadside assistance is offered
  • green performance of the company

How to apply for car insurance in Austria

foremost, you ’ ll motivation to get your indemnity in order before you are able to register your vehicle in Austria. Authorized insurance companies in the country besides operate vehicle registration offices for a streamline process .
Woman by her car
about all car insurers in Austria have on-line car policy calculators. After you ’ ve decided on your insurance provider, you may call or visit them ( most insurers provide on-line maps directing you to the nearest outgrowth ) to arrange the details of your insurance .
presently, with the socially-distanced climate, most now offer on-line application forms excessively where you can fill in all the details without picking up the call. These fresh forms will walk you through all the details to getting your car insured. They will then send you your policy so that you can register your car and hit the road .

Making a car insurance claim in Austria

ideally, most car insurers in Austria have both an on-line claim shape arsenic well as telephone claim lines. You will be asked to provide your mention, license plate numeral, and liaison details along with data relating to the title. additionally, you will be able to submit accident reports via e-mail .
As a general rule, the limitation period for filing claims is three years. however, the insurance company may, under specific conditions, shorten the restriction menstruation. That said, all insurers suggest that you report the title immediately after it happens. Most indemnity companies will liaise with you on how you would like to have your fomite repaired. They will ask whether you would like the claim money directly to find a body patronize and have it repaired yourself or for them to handle the rectify make for you .
After making a claim, many of the modern insurers have an on-line claim tracker so you can keep chase of the status of your claim. This is just like tracking a parcel you are waiting for .

Canceling a contract or changing provider

A transfer to the austrian law in 2019 has simplified the cancellation of all insurance contracts, including car policy. now, all policyholders are able to cancel their policy within 14 days. The only exception is life sentence insurance, which is 30 days. Before this new law, there were five separate cancellation dates for each different type of policy .
by and large, your insurance contract will automatically renew for a farther year unless you terminate it in writing within the detect period. furthermore, you may cancel fomite indebtedness policy without giving reasons as the resultant role of a claim or if the vehicle is sold. In principle, you can terminate your car policy by facsimile. however, most insurers highly recommend sending a notification by file mail .

Making a complaint about a car insurance company in Austria

fortunately for expats in Austria, there are options if you don ’ t agree with an policy payout. You can file your complaint with the Austrian Insurance Association via e-mail at [ electronic mail protected ] or by earphone on 0043 1 71156 -250. alternatively, you can pop over in person to Schwarzenbergplatz 7, 1030 Wien .

Roadside assistance in Austria

If you haven ’ t kept an eye on your fuel tank, your car is acting up, or something more serious, there are two major car clubs that you can call for aid. They will fix you up and get you on your way in no time.

fortunately, you don ’ t need to be a member to call ARBÖ wayside aid when you need help. You can simply call 123 ( no prefix ) anytime day or nox and they ’ ll swing their tow truck round to help you out anywhere in Austria. You can call their non-emergency number, 050 123 123, to find out more .
buying a car
The like goes for ÖAMTC automobile golf club. dial 120 and help will be on the room. They besides provide data by call adenine well as break down and towing services. You don ’ t need a membership and can reach the hotline 24/7 from all over Austria. Of course, costs vary depending on the problem. That said, call out charges typically start around €100 .
For a Europe-wide road aid service, ALD can help you out with on-site aid in German and English. They can arrange a replacement vehicle in the case of larceny or if you need repair influence american samoa well. You can call the loose national act – 0800 24 00 44 – a well as an international number +43 1 526 52 25-150 .

Useful resources

  • VVO – the Association of Insurance Companies in Austria VVO represents the interests of all private insurance companies operating in Austria and supports its members in legal, tax, economic and international matters. 
  • Motor Vehicle Act – check out all the details of consolidated federal law updated for 2020.

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