Good to know
Who acts as organiser for guest performances, exhibitions etc. and where can I find the pertaining rules? ➢ Who is an organiser?
What should you observe when travelling abroad in your own car? ➢ Motor vehicle insurance, green insurance card
How can I get a good offer for add-on insurance? ➢ Hint: Combined insurance
How do insurance requirements change? ➢ Hint: Don’t forget to review your insurance from time to time
Which insurance can be deducted from taxes? ➢ Hint: Many forms of insurance are tax deductible
Who is an organiser?
Who acts as organiser for guest performances, exhibitions etc. and where can I find the pertaining rules?
Who is considered the “organiser“ depends on the contract. The organiser may be an inviting organisation or an artistic venue. If, however, a theatre company/group of artists merely rents a venue, becomes active itself and organises everything by itself, they themselves are deemed to be the organiser. The insurance obligations are laid down in the contract accordingly. In most cases, the lessor‘s third-party liability insurance will only be liable for loss/damage that is caused by defective furnishings. With loss or damage that is caused directly by the event or by any equipment introduced by the company/group, the company/group will be held liable.
It is therefore the contractual arrangement between the two parties which sets out who is the organiser and who must bear the organiser’s risk.
Organisers are liable without limitation with all of their assets for any loss or damage that is caused through fault on the part of themselves, their staff, participants and/or guests.
Motor vehicle insurance, green insurance card
What should you observe when travelling abroad in your own car?
Motor vehicle third-party liability insurance is required to register a vehicle in Austria, in the EU and in many other countries. If you travel with your car outside of Austria, you should always carry the International Motor Insurance Card (green insurance card) with you. It is internationally recognised evidence that the vehicle is properly insured. Within Europe, the licence plate number should generally suffice as evidence. Practical experience has shown that the insurance card is often asked for during traffic checks abroad.
The green insurance card is required for entering the following countries: Albania, Belarus, Bosnia-Herzegovina, Iran*, Israel*, Macedonia, Moldova, Montenegro, Morocco*, Russia*, Serbia, Turkey*, Tunisia* and Ukraine. In these countries, severe fines may be imposed if you fail to carry the green insurance card.
* For these countries, a separate large green insurance card must be issued by the insurer. This card is available at a surcharge; each country code must be separately recorded. The insurance premium will be increased for the duration of the trip to those countries. If you forget the card or if the country code is not properly stated, you will have to take out insurance at the border on entering your destination.
The green insurance card is available free of charge from your own vehicle insurer or from the Austrian motoring club ÖAMTC. It is generally valid for three years only.
Hint: Combined insurance
How can I get a good offer for add-on insurance?
If you have already taken out insurance or are planning to take out several insurances, add-on insurance might be worth considering. You can combine e.g. private third-party liability insurance with professional liability insurance. Often foreign travel insurances are offered in combination with accident or third-party liability insurance. These might be less costly than individual special insurances.
Hint: Don’t forget to review your insurance from time to time
How do insurance requirements change?
Generally, you should review, from time to time, your existing insurances for overlaps or double insurance or to check whether the sums insured still match the actual value of the insured objects (e.g. musical instruments) and/or the personal risk.
Hint: Many forms of insurance are tax deductible
Which insurance can be deducted from taxes?
The cost of voluntary personal insurance such as pension, accident and health insurance, burial insurance, passenger insurance, voluntary contributions to pension insurance and employee contributions to pension schemes (unless a state premium for old-age provision is claimed for them) may be deducted from taxes as special expenses. The deductible amounts can be checked on e.g. the website of the Chamber of Labour.
Links to consumer protection sites and/or insurance comparators
Editor: Katharina Dilena, proofreading: Sabine Kock, Andrea Wälzl, Lisa Pointner, Sabine Mitteregger
Thanks for substantive input to: www.touring-artists.info, Jens Schoenenberg, Frank Böhmle