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LIVING IN AUSTRIA

13 ways to make your life in Austria easier without really trying

Life in Austria can be challenging with a high cost of living, different dialects and a unique culture to get used to. Here are some tips on how to make your life here simpler, with little effort involved.

13 ways to make your life in Austria easier without really trying
Only residents of Austria can get mortgages. But with some exceptions, it's still possible for foreigners to buy. (Photo by Dimitry Anikin / Unsplash)

Austria is a great place to live: fresh air, beautiful scenery and a high standard of living.

But for international residents it can be testing at times too – especially when it comes to navigating the local culture, making friends and saving money.

If you feel your life in Austria could do with a boost, then try these simple tips below.

You never know, it could just transform your experience here.

Always carry cash

Austrians love cash. They always have and probably always will. 

Card payments and digital banking are gaining in popularity (especially since Covid-19), but Austria is a country built on tradition and many people are fully committed to cold hard cash.

In fact, it’s not uncommon to still come across places that will only accept cash. So to avoid feeling like a tourist, always carry cash.

READ ALSO: Why is cash so important to Austrians?

Learn some dialect words

Austria is officially a German-speaking country, but not everyone speaks Hochdeutsch (high German) in their day to day lives. 

Instead, most regions have their own dialect, although there is no exact number for how many different dialects exist in Austria.

For international residents, this makes learning the language even harder because even though high German is taught in language schools across the country, many locals don’t usually speak it.

The best way to tackle it is to learn a few dialect words in the area where you live, and then use them when talking to local people. You might get laughed at if you get it wrong, but most of the time Austrians will appreciate the effort and do their best to make you feel welcome.

FOR MEMBERS: Austria vs Germany: Which country is better to move to?

Take time out for lunch

Austria has a healthier work/life balance than most English-speaking countries.

This even extends to the lunch break when people across the country (almost-religiously) sit down at midday to enjoy a freshly cooked lunch with others.

At first, this can seem restrictive. What if you want to have lunch at 1:30pm? Or you just want to be alone during the lunch break? That’s simply not the Austrian style when it comes to lunchtime.

The best advice is, don’t fight it. Do as the locals do and take some well-earned time out for lunch. You might even make some new friends in the process.

FOR MEMBERS: Tips for how to make friends in Austria from those who have done it

Make friends with Austrians

Austrians have a reputation for being reserved people, but often the opposite is true.

The main thing to remember is that Austrians typically don’t like small talk (see below for more on this), which can be a shock for people from places like the UK, New Zealand or the USA. But once you get to know Austrian people, they love to talk.

Some top tips for making friends in Austria include learning German, not being afraid to make the first move or to join a local sports club. In other words, get out of your comfort zone.

Not only will this make you feel more welcome and part of a community, but it will also help you to further understand the country.

Follow the Austrian news 

Knowing what is happening in the place where you live can really help with understanding the local people and culture.

Current events are often a reflection of the country so it’s always a good idea to stay up to date – preferably with The Local.

Shop at cheaper supermarkets

Austria is well-known for its high cost of living and there is no sign of the prices coming down any time soon. If anything, prices will probably continue to rise.

A useful way to counteract the high cost of living is to shop in cheaper (or less desirable) supermarkets, like Hofer and Lidl – both of which stock a wide selection of Austrian and international products.

READ MORE: Six helpful tips to save money on food shopping in Austria

Call, don’t just email

When it comes to communicating at a business level, many people prefer to talk on the phone instead of by email.

The same applies if you’re looking for a new job or trying to connect with a particular person. Making a few phone calls can work wonders for your reputation and shows others that you’re not afraid to take the initiative.

This is in stark contrast to many other countries where the default mode of communication is usually email, and it’s another example of how Austrians like to do things their own way.

Relax in cafes

Coffee culture in Austria – and especially in Vienna – is more than just getting a daily dose of caffeine in the morning. It’s a way of life and something that UNESCO identified as an intangible cultural heritage in Austria’s capital city.

Coffee houses are also known as places to relax and spend some time over a cup or coffee (or two). There is often no rush to drink up and staff typically leave customers to their own devices until they ask for another drink.

As a result, Austrian coffee houses have long been meeting places for artists, intellectuals and politicians with Sigmund Freud, Ludwig van Beethoven, Gustav Klimt and Leon Trotsky just a few famous names to have graced coffee houses in Vienna.

READ ALSO: Who to call and what to say in an emergency in Austria

Support local businesses

A great way to get to know your neighbourhood is to support local businesses.

Pick up a coffee from the cafe down the road. Buy your bread from a nearby bakery. Go out for dinner to a local restaurant. 

Independent business owners are often attentive and more likely to remember who their regular customers are, which means you can establish yourself as part of the local community.

During the pandemic some local smaller shops even kept high demand stock such as toilet paper and cooking oil aside for regular customers, telling others that there was simply none left. 

READ MORE: Nine things you need to know when relocating to Vienna

Don’t be shocked by early morning drinking

Alcohol is deeply ingrained in Austrian culture but it tends to be consumed in a more moderate manner than in other countries, like the UK or Australia.

However, it’s not uncommon to see people in cafes having a glass of wine at around 10am on a weekday. No one seems to bat an eyelid, so just accept it as part of the culture.

Reader question: Is it legal to drink in public in Austria?

Enjoy nature (it’s free)

The advantage of Austria’s small size means that even if you live in a city, the countryside is not far away.

Take advantage of this proximity to nature to clear your thoughts, breathe fresh air and enjoy the beautiful scenery.

After all, you would have to search far and wide to find a place in Austria that is not picturesque.

‘Waldeinsamkeit’ in Austria: Five peaceful forest walks near Vienna

Carry a water bottle

Austria is home to world-class drinking water. So instead of paying for bottled water and contributing to more plastic waste, get a reusable flask and fill it up for free.

Or, when in a cafe or restaurant, simply ask for tap water (Leitungswasser) instead of mineral water.

Avoid small talk with strangers

In many English-speaking cultures, small talk is a guaranteed conversation starter and a way to avoid awkward silences.

In Austria however, small talk is not as common and people generally prefer to have meaningful conversations about topics they are interested in.

Austrians can also be more reserved around people they are not familiar with and shy away from asking personal questions until they know them better.

The best approach is to avoid small talk with strangers and stick to a simple “Servus” to avoid any embarrassing encounters.

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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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