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‘How was it possible?’ Austrians left asking painful questions after Vienna terror shootings

As Austria deals with the aftermath of a terror attack on the eve of its lockdown, Stefan Haderer spoke to witnesses in Vienna, and examined what the impact will be on a country that has largely been spared the kind of attacks that have taken place elsewhere.

'How was it possible?' Austrians left asking painful questions after Vienna terror shootings
Flower and candles for the victims of the shooting lay at Schweden square (Schwedenplatz) in Vienna. Photo: AFP

On Tuesday Austria woke up to a new coronavirus shutdown after an eve of terror where at least four people were gunned down in Vienna’s historic city centre. Seven people are still in a critical condition.

What effect does the attack have on the nation situated in the heart of Europe?

The gunman was ‘firing at people like hell’

To many Austrians it was only a question of time over when Islamist terror would hit the country. The attack was orchestrated and it seems very likely that the killer or killers waited for the right moment to strike the nerve of the nation.

This moment was the last evening before the second shutdown, when all restaurants and bars were preparing to shut down for at least a month due to the coronavirus pandemic.

The first district, where the attack occurred at around 8pm yesterday, felt like a ghost town on Tuesday morning. People had been warned to remain vigilant and stay home – and those who can were glad to do so. Parents, who are deeply worried for their children, have also been allowed to keep them home from school.

I talked to the few people who were out in the streets near the “Bermuda Triangle”, a vibrant nightlife area close to the Jewish temple and the Danube Canal, where the shootings took place.

“I saw a guy in white clothes running around, firing at people like hell,” a young person who said he witnessed the scene from his window said.

READ ALSO: Austria police arrest 14 after Vienna rampage

Soon after the shots, which began near Schwedenplatz, disturbing footage was shared on social media channels. The police urgently asking witnesses to send their material to the Interior Ministry rather than sharing it online. 

A law graduate working in a nearby office sent a warning message to his friend, he told me.

“Anybody outside should hide somewhere,” he had told his friend. “There were injured people lying outside our window. At least 30-40 gunshots.”

Many passers-by found refuge in some of the almost empty luxury hotels, where those living on the outskirts of the city were allowed to spend the night.

Others had been out enjoying a last performance at the Burgtheater before the lockdown – and ended up being barricaded until the early morning hours, unaware and anxious about what was going on outside, and what would happen next.

A police cordon in place near the shootings. Photo: AFP

Why is Austria victim of global terrorism?

With the identity of the gunned-down perpetrator being confirmed as a supporter of the terror group Isis, emotions are running high among Austrians.

There’s consensus that the attacks struck not only a nation that has been spared similar atrocities so far. But people also see the attacks as a threat to an open, free and peaceful Europe.

READ ALSO: Vienna attack carried out by Isis supporters who fooled authorities

Some wonder why Austria, a neutral nation, has now become a victim of global terrorism. They thought Vienna was not a strategic target even though it’s an international hub. 

Many critics blame failed integration, religious intolerance and misguided asylum policies in the EU.

I’ve talked to people who also mentioned reported incidents that have taken place at churches in Vienna only a couple of days ago.

They see a close connection to recent attacks in France. Sensitive religious spots – churches, synagogues and schools – are exposed to high risk.

A friend living in an area with many Jewish shops and a Jewish school is scared of leaving her house at the moment. Like many others she believes the atrocity was religiously motivated.

In general there seems to be confidence in the police who are doing a good job in the tense situation.

Some Austrians, however, believe that over the past few months the police have cared more about controlling home quarantines and fining people for not wearing face masks rather than doing their ‘real job’, preventing crime and terrorism in the country.

How is it possible, they wonder, that terrorists with criminal records could arm themselves and reach the city centre totally unnoticed? This remains a troubling question indeed amid the uncertainty.

A new dystopian reality

For many Austrians the nation is currently going through its worst-case-scenario.

On the one hand there is increasing fear, insecurity and an aggressive atmosphere because of the coronavirus pandemic, restrictions and shutdown measures.

And the shock and trauma of yesterday’s terrorist attacks, plus the anxiety that before Christmas similar atrocities could take place both in Austria and all over Europe, is still sinking in.

Investigators collect evidence near Schwedenplatz in Vienna on Tuesday. Photo: AFP

It seems evident that in 2020 Austrians find themselves in a new, much more dystopian reality than they did in 2019.

The “War on Terror”, which some politicians proclaim, affects a nation thought to be safe and secure. It must be said that Austria is still among the countries with the lowest crime rate and highest life quality.

These attacks seem likely to strengthen conservative and right-wing parties, who have been criticising poor integration, especially in Vienna, as well as in neighbouring Germany.

Eventually the gap in the Austrian society will widen, which could as well pose a threat to the government coalition as well as social stability and solidarity in the country.

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LIVING IN AUSTRIA

‘Haushaltsversicherung’: How does Austria’s home insurance work?

'Haushaltsversicherung' is one of Austria's most popular types of insurance. It is not mandatory, but it is certainly worth evaluating, especially as it comes with many possible add-ons.

'Haushaltsversicherung': How does Austria's home insurance work?

Austrians are certainly obsessed with insurance coverage, and one of the most popular and common ones is known as the “Haushaltsversicherung”—if you don’t have it already, you have certainly heard of it. Here’s what you need to know about household insurance.

Firstly, this insurance covers damages to “all movable objects within your own four walls,” as Austria’s Chamber of Labour (AK) explains. This includes furniture, carpets, and electrical appliances. It would also cover damages caused by fire, storms, water, burglary, and glass breakage. 

Certain types of insurance, such as private liability insurance or mandatory dog liability insurance, are almost always combined with household insurance—another reason why the Haushaltsversicherung is so popular in Austria.

READ ALSO: What kind of insurance do I need to have in Austria?

However, there are enormous differences in premiums and benefits, so experts suggest you check precisely what you need before taking out insurance. The AK also says you should talk to an insurance advisor to learn more about your specific case and needs, particularly if you have any valuables in your home. 

Additionally, they said: “It makes sense to check your policy every few years to ensure that you are properly insured. This guarantees that the sums insured and the risks included are up-to-date and sufficient”.

What should I keep an eye on when reviewing policies?

Of course, different companies have their own offers, and they are often highly customisable to fit your apartment and lifestyle—some things you need to be aware of, though.

Certain policies are tied to the size of your apartment, while others will have a lump sum regardless of the size of your place. Policies also usually differ depending on whether you live in an apartment or a house. 

While most insurance will cover glass breakage (such as when a hail storm breaks your window, for example), some might have it as an add-on (wahlweise mit Glasbruch). 

You may also add other types of insurance to your household insurance, the most common being mandatory dog liability insurance (Hunde-Haftpflicht), legal insurance (Straf-Rechtsschutz), and sports insurance.

READ ALSO: Should I take out insurance before skiing in Austria?

It’s worth it to read each policy, but you should know some common clauses beforehand. For example, insurance often won’t cover burglary costs if your house has not been properly secured and locked. This might seem obvious, but since door knobs don’t open from the outside without the key, people often leave their homes, especially for short errands, and don’t lock the doors all the way. Insurance and safety experts recommend you get in the habit of locking your home doors.

It’s also important to check if your insurance will pay you “Neuwert” or “Zeitwert” in case of damage. 

A Neuwert means the insurance will pay for a replacement object, regardless of how old the stolen or broken one was. However, many insurance policies still contain the so-called “Zeitwert”, something like “current value”, so you wouldn’t receive an amount that could pay for a new product. Instead, a loss of value of around 10 percent per year could be expected for most objects.

What should I do if there is damage to my home?

If you see any damage to your home from burglary, accident or other types, you need to notify your insurer immediately and report the damage you have suffered. 

The insurance conditions usually stipulate a maximum period of three days for reporting a claim in property insurance. The Chamber of Labour also recommends that you send a written notification of the claim (preferably by registered mail, they add).

“Make a list of all items that have been destroyed or lost and enclose it with your report to both the insurer and the security authorities”, they said. And, of course, in the event of fire burglary or robbery, always inform the fire department or police authorities.

READ ALSO: EXPLAINED: The Austrian insurance for if you get sued – or want to sue someone

How long does the insurance last, and how much does it cost?

The insurance term is usually specified in the counteract. In general, though, you can terminate it after the third year with one month’s notice if the contract has not already expired.

If you move house or move abroad, you can terminate your household insurance contract. You can cancel the insurance the day before the move begins (preferably by registered letter).

If you do not exercise your right of termination, the insurance will remain valid during the move and in the new home.

Regarding prices, they can be as low as a few euros a month (such as insurance specifically tailored to students living in shared flats) to several hundred a month if you have a large place with plenty of valuables or include several add-ons. 

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