Many people in Austria do not have a car, especially those living in larger cities where public transport works well.
However, sometimes you might need one, whether it is to transport something or maybe to go on a trip through the country.
Fortunately, even if you do not own a car yourself, you can still drive someone else’s vehicle, whether it belongs to a relative, friend, or maybe a neighbour.
Valid licence and approval from owner
In Austria, motor vehicle liability insurance is linked to the vehicle and not to the driver. This means that the owner’s insurance normally covers anyone who drives the car with permission.
Therefore, you can drive someone else's car as long as you have the owner's permission and, of course, a driver’s license.
However, it is essential to ensure that the car’s insurance policy does not have any particular restrictions on additional drivers, as some policies might specify who is allowed to drive.
While borrowing someone's car, you should also have the vehicle’s registration documents and insurance proof. If you forget the documents, you might need to pay a fine or face complications in the case of an accident.
If an accident occurs, you need to contact the car owner. The owner's insurance company will handle claims or damages.
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Car insurance in Austria
In Austria, car insurance is regulated by the Insurance Association Austria.
To drive a car, you are obligated to buy the so-called Haftpflichtversicherung (third-party liability insurance), which covers damages you cause to others in case of an accident.
However, many car financing companies in Austria require more comprehensive insurance, such as damage insurance to your own vehicle.
The cost of your car insurance is based on a wide range of factors, such as driving experience, car engine size, and location.
Inexperienced drivers, high-powered cars, and drivers living in urban areas typically face higher insurance premiums.
Maintaining a no-claim driving record is a good idea if you want to pay a lower fee, as it often leads to lower insurance premiums with your next insurer.
In Austria, car insurance can be relatively expensive, ranging from €60 to €150 per month.
Some of the main car insurance companies in Austria:
- Allianz – an international insurer with a proven commitment to sustainability
- Grawe – an independent Austrian group growing throughout Europe since 1828
- ERGO – one of Europe's largest insurance companies
- VAV – an insurance broker and complete online provider
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