Direct Answer
Private liability insurance in Austria costs from €3 per month for individuals and €5 to €10 for families. It covers third-party claims under §1295 of the Austrian Civil Code (ABGB) when you accidentally cause property, personal, or financial damage. Recommended minimum coverage: €3 million per claim.
At a Glance
- •Not legally mandatory, but personal liability under ABGB §1295 is unlimited
- •Costs from €3/month for individuals, €5 to €10 for families, premium up to €15
- •Minimum €3 million coverage recommended — FMA and VVO highlight high personal injury costs
- •Covered: partner, minor children, adult children without income, household employees
- •Motor vehicle damage, intent, and work accidents excluded — separate policies required
In Austria, you are liable without limit under §1295 of the Austrian Civil Code (Allgemeines Bürgerliches Gesetzbuch, ABGB) for damages you negligently cause to others. Private liability insurance protects you from the financial consequences — whether skiing, cycling, or in rental contracts. This guide explains coverage, costs, and providers in the Austrian market as of May 2026.
What is covered?
Property Damage
When you accidentally damage or destroy someone else's property.
Example: You drop a friend's tablet.
Personal Injury
When you injure another person (treatment, compensation under ABGB §1325).
Example: Collision while skiing or cycling.
Financial Loss
Financial consequences arising from property or personal damage.
Example: Loss of earnings for the injured person.
Who is covered?
Why is private liability important?
Unlimited Liability
In Austria, you are liable under ABGB §1295 with all your assets for damages you cause.
High Compensation Claims
Personal injuries can cost hundreds of thousands of euros (treatment, compensation, pension under ABGB §1325).
Everyday Risks
Mishaps happen during sports, on vacation, or at friends' homes.
Family Protection
Damages caused by your children are covered via supervisory duty (ABGB §1309).
Affordable Protection
Comprehensive coverage from just a few euros per month.
Important for Renters
Damages in rental apartments (e.g., water damage) are covered — see AK tenant guide.
Typical Damage Cases
What is NOT covered?
- Work accidents (via AUVA social insurance)
- Damages with motor vehicles (car liability under KFG §59)
- Favor services (e.g., helping with moving)
- Intentionally caused damages (ABGB §1294)
Cost Overview
Individual Basic
Basic protection for one person, €3M coverage
Family
Partner and children covered
Premium
Higher coverage amounts (€5-10M)
Market research across multiple Austrian providers shows: tariff differences of up to €80 per year are possible.
Private Liability and Household Insurance Overview
Private Liability
Protects against third-party claims
- Damage to others' property
- Injury to other persons
- Financial consequential damages
Household Insurance
Protects your own belongings
- Your furniture and electronics
- Burglary theft
- Fire and water damage
Tipp: Both are often available combined — check your existing household insurance!
Recommended Coverage Amount
We recommend at least €3 million coverage per claim, especially for personal injuries. The FMA and VVO point out that with severe injuries, treatment, care, and lost-earnings costs can quickly reach six figures.
Providers in the Austrian Market
11+ providers in the Austrian market
Sources and Supervision
VVO — Austrian Insurance Association
Industry association with market data and consumer information.
FMA — Financial Market Authority
Regulatory supervision of insurance companies in Austria.
AK — Chamber of Labour
Independent consumer advice and protection.
ABGB §1295 and §1320
Austrian Civil Code — statutory liability and animal-keeper liability.
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Go to Tariff CalculatorPrices and conditions vary depending on selected benefits and personal factors. As of: May 2026.