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AUSTRIA EXPLAINED

Five unwritten rules that explain how Austria works

Feeling confused about social etiquette and expectations in Austria? These unwritten rules might help you make a little more sense of things.

Five unwritten rules that explain how Austria works
Austrians possess the incredible skill of never being late. Ever. Photo by Andrea Piacquadio from Pexels

Adjusting to life in a new country takes time – even more so when navigating unwritten rules of how to act in social and professional situations.

But learning how to live like a local in Austria will not only make it a more pleasant experience, it will also show that you fit in and respect the rules.

To help you further understand Austrian culture, here are five unwritten rules that explain life in Austria.

Always say hello – at least in the countryside

Austrians have a reputation for being direct in their communication, but politeness is also highly valued. 

A prime example is the unwritten rule of saying hello to people – even if you don’t know them.

This applies more in the countryside than in the cities but it’s worth being aware of to avoid making a social faux pas.

According to a Kurier article, failure to greet others will even have you labelled as unfriendly, arrogant or badly educated.

READ MORE: Nine things you might be surprised are actually Austrian

So, if someone is walking towards you, you walk into a bakery (for example) or you see neighbours on the street, then a greeting is expected.

It could be a simple nod of the head, but in most cases it will be “Servus”, “Griaß di” or even “Hallo”.

But don’t try it in a city like Vienna. Saying hello to strangers will just result in funny looks.

Saying hello to someone will show them that you come in peace. Photo by Tom Leishman from Pexels

Always bring food or drink to a social gathering

If invited to a barbecue or dinner party at someone’s house, always take a drink or something to contribute to the meal.

For example, if your host is cooking, offer to bring a salad or a dessert.

If they are taking care of the food then offer to bring a nice bottle of wine or a selection of beers.

If you’re going to a gathering, always bring something – especially if someone tells you it’s not necessary. Photo by Nicole Herrero on Unsplash

And if they are hosting a barbecue, always take your own meat and expect a wide selection of salads and bread that other guests will also bring and share with everyone else.

Not only is this polite, but it will stop other people from talking about you because you violated the unwritten rule.

Don’t expect polite queues at ski lift stations

While Austrian society can be polite in many ways, queueing at ski lift stations in the Alps is a different story.

In fact, it’s a free-for-all and it’s something that both tourists and international residents in Austria have experienced.

REVEALED: What do Austrians think about foreigners?

An Austrian in Tyrol, who asked to remain anonymous, summed it up when he told The Local: “Don’t be civilised and politely queue up at the ski lifts – just push in.”

So, when going skiing in Austria, leave your manners at home, be prepared for others to cut in front of you and get ready to push to the front of the queue.

For a country that loves order and predictability, Austria sure doesn’t know how to queue. Photo by Mael BALLAND on Unsplash

Lateness is not appreciated

People in Austria are generally punctual, like to be on time and expect others to do the same – just like in neighbouring countries Germany and Switzerland.

The unwritten rule applies to both work and social situations, including going out to dinner at a restaurant.

READER QUESTION: Is it legal to drink in public in Austria?

This means if you’re running late it’s polite to call the host and let them know. Likewise if you have a reservation at a restaurant.

However, there is still a limit on how much lateness can be tolerated, with 15 minutes typically the maximum delay before people become annoyed.

Always carry cash

Cash is king in Austria. 

What can I get for this many? Always carry cash in Austria. Photo by Christian Dubovan on Unsplash

It always has been and it probably always will be, with a pre-pandemic study showing that 83 per cent of Austrians preferred paying with cash.

Customers can even expect a grumpy roll of the eyes when trying to pay with cash in some places because it’s so deeply ingrained in the culture.

READ MORE: Why is cash so important to Austrians?

This attitude towards cash is perfectly reflected in the Austrian saying “Nur Bares ist Wahres” (only cash is true) and there are three reasons for this – freedom, anonymity and control. 

Austrians like to have the freedom of not relying on a bank, the anonymity to spend money on whatever they like and control over spending.

For international residents from card-favouring countries like the UK, Ireland and most of Scandinavia, the best way to deal with this is to just get used to carrying cash.

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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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