Liability insurance is really necessary

Motor vehicle liability insurance is mandatory, but personal liability insurance (AVP) is not. Nevertheless, it is a necessary insurance. Without it, you run too great a risk.

Most families take out several insurance policies that come under the heading of home insurance. Here are the three most important insurance policies:

• Building insurance
• Contents insurance
• Liability insurance for private individuals

The first two protect your home and the things in your home from such things as fire, storms and burglary. Liability insurance seems less necessary. The opposite is true.

What is the point of liability insurance?

Whoever is liable for a damage caused must pay. With liability insurance for individuals, you are insured against damages for which you are liable. This could be accidentally knocking over an expensive vase at the neighbor's house, or one of the children drawing a picture on a parked car with a stone. These can already be expensive damages, but especially when causing personal injury, things can get expensive. What if the injured party becomes incapacitated?

For a few tens per year, the risk is insured

Most people will never receive a large claim for damage caused by a mistake. Still, you should insure the risk, because with some bad luck it will happen to you. Money is no object. A single person pays only a few dollars a year and for a family with children the premium is just over €50 a year. Suppose you are responsible for the permanent injury of an unlucky person. Losing income makes it reasonable to assume a claim of hundreds of thousands of euros.

Even a live-in parent and a lodger are co-insured

When purchasing liability insurance, you specify the composition of the family. The cheapest liability insurance is for a single person. Most expensive for a family with children. The circle of insured is wide. The live-in (grand)parent and the temporary guest are also insured. In addition, pets are also co-insured.

Intentionally caused damages by children are insured

Young children are unpredictable. Therefore, intentionally caused damage by children up to 14 years of age is insured.

Want to know what this insurance will cost for you? Calculate it on Alpina.nl. Include contents insurance and other insurances in the comparison right away. By combining these insurances you can save even more money. Still a nice way to save.