In Austria, you are liable without limit for damages you cause to others. Private liability insurance protects you from the financial consequences - whether from mishaps during leisure activities or in everyday life.
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.
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 with all your assets for damages you cause.
High Compensation Claims
Personal injuries can cost hundreds of thousands of euros (treatment, pain compensation, pension).
Everyday Risks
Mishaps happen during sports, on vacation, or at friends' homes.
Family Protection
Damages caused by your children are also covered.
Affordable Protection
Comprehensive coverage from just a few euros per month.
Important for Renters
Damages in rental apartments (e.g., water damage) are covered.
Typical Damage Cases
What is NOT covered?
- Work accidents (via social insurance)
- Damages with motor vehicles (car liability)
- Favor services (e.g., helping with moving)
- Intentionally caused damages
Cost Overview
Individual Basic
Basic protection for one person
Family
Partner and children covered
Premium
Higher coverage amounts
Save up to €80 per year by comparing!
Private Liability vs. Household Insurance
🛡️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, especially for personal injuries. In case of severe injuries, costs (treatment, care, loss of earnings) can quickly become very high.
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Go to Comparison CalculatorPrices and conditions vary depending on selected benefits and personal factors. As of: December 2025.