14-day cooling-off period
14-day cooling-off period
World coverage
World coverage
7.8
Content insurance
liability insurance

Liability insurance: Compare and take out insurance directly!

14-day cooling-off period
14-day cooling-off period
World coverage
World coverage
7.8
Content insurance

If you want to take out liability insurance, we will be happy to help you compare different providers. With our handy comparison tool, you can easily and quickly compare premiums of different insurers. This way, you will find out which insurance best suits your needs.

What is liability insurance?

A liability insurance is an insurance that compensates for personal injury and property damage if the insured person causes damage to others. For example, if you accidentally break someone else's laptop or you stumble and take another person with you, breaking his hip as a result, this will fall under the coverage of a liability insurance if you are held liable. Liability insurance is not compulsory in the Netherlands, but it is advisable.

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Why a liability insurance?

If you cause damage, you are liable for that damage according to the law. Therefore, you are responsible for repairing the damage. With a liability insurance, the damage is (partly) compensated by the insurer if you are held liable. If you do not have liability insurance, you will have to pay for the damage yourself. The amount you have to pay depends on the type of damage. A small damage, such as a knocked over vase, is usually manageable. But if someone is seriously injured because of your actions, the amount to be paid can be high. If the amount is too high, you may not be able to pay it yourself and you may run into financial difficulties. To prevent this, you can take out liability insurance.

Compare liability insurance

Almost all insurance companies in the Netherlands offer liability insurance. So you have a lot of choice, but what should you look for when comparing the different and numerous providers? Is it enough to look at the premium level? When comparing liability insurance, you should not only look at the premium. The coverage of the liability insurance is what you take out the insurance for. In addition, when taking out liability insurance you can determine the amount of the deductible, which also determines the premium.

Frequently asked questions about liability insurance

Is liability insurance mandatory?

Many people think that liability insurance is compulsory. However, this is not the case. Liability insurance is often confused with third-party insurance. WA means Third Party Liability. This insurance is compulsory, but it covers damage to motor vehicles.

Private liability insurance (AVP) is not compulsory. The insurance is recommended, because it can save a lot of money in situations where you are held liable when you have caused damage.

How much does liability insurance cost?

Liability insurance is not an expensive insurance. For a few euros per month you already have coverage. The cost of liability insurance does depend on a number of factors, such as age, family composition and the amount of the deductible. A single person without children will pay less than a family with children. The insurer of course looks at the risk of damage. Children are a risk factor, because they are often impetuous and unpredictable.

What does liability insurance cover?

Damage that you or your family members cause to others for which you are responsible is covered by liability insurance.

What is the best liability insurance?

We cannot simply point out the best liability insurance for you. It depends entirely on your personal situation. For example, liability insurance for students is not always necessary. If you have a liability insurance with family coverage, then the children mentioned on the policy are also insured when they start studying. The coverage continues as long as your child continues studying. However, most insurers apply a maximum age of 27 years. Once the student is older, a separate liability insurance must be taken out.

What does a liability insurance for zzp cost?

As a self-employed person, it is wise to take out liability insurance for self-employed persons. As a self-employed person, you will, more than once, run into situations that may cause damage to third parties. Taking out ZZP liability insurance is a good way to cover yourself for unexpected situations. Liability insurance for self-employed persons covers the financial consequences of your wrongful actions. Check here what a liability insurance for a ZZP-er costs.

Are pets included in the insurance?

Your pets fall under the coverage of the liability insurance. You are therefore insured against damage caused by your pet.

Is my liability insurance valid abroad?

Yes, with liability insurance you are insured at home and abroad. Per insurer it can differ for which countries this applies or if it concerns a worldwide coverage.

What is the difference with third-party insurance?

Third-party insurance is compulsory when you have a car or scooter. This insurance reimburses the damage that you cause to another person. With a liability insurance, you cover the damage that is caused to another person without the intervention of a motor vehicle. The liability insurance excludes damage caused by a motor vehicle.

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What does liability insurance cover?

Liability insurance covers damage that you or another insured party causes to property (material damage) and persons (personal injury) and for which you can be held legally liable. If you have liability insurance, you are not only covered yourself, but the following persons are also insured:

  • You and your family, including resident parents, lodgers and staff
  • Minor children, even if they do not live at home
  • Children of full age if they live at home or are away for study
  • Damage to belongings of others
  • Pets
  • Your movable or immovable property

The coverage of our liability insurance is very broad. You are insured worldwide. If, for example, you cause damage during your holiday abroad, you and your family members are also covered.

Calculate your liability insurance premium directly

When do you need liability insurance?

Nobody expects to need liability insurance. Yet it happens more often than you might think. Even if you are normally very careful. An accident is just around the corner. You might accidentally spill a glass of wine on someone's carpet. You cause damage to other people's belongings. Or your child rides his bicycle against a car. Or you take your dog to a friend's house, where he jumps on the sofa a little too enthusiastically. There are countless examples of minor accidents where having liability insurance can be a great help when you cause damage. Especially when the costs are high, as in the case of personal injury. With us, you have worldwide coverage.

How does liability insurance work?

Your liability insurer will assess whether you can actually be held legally liable for the damage. You are legally liable if you can be shown to have acted culpably. If, for example, you sat down on the spectacles of someone who had placed them on the chair, you cannot be held legally liable, because you do not have to expect spectacles on a chair. In that case, the person who put the glasses there is responsible for the damage. However, if you can be held legally liable, for example because you knocked over an expensive vase and this caused damage to the vase and the parquet, then your insurer will have the damage assessed by an expert, if necessary. The insurer will then fully compensate the person who suffered the damage on your behalf.

When do you need liability insurance?

Nobody expects to need liability insurance. Yet it happens more often than you might think. Even if you are normally very careful. An accident is just around the corner. You might accidentally spill a glass of wine on someone's carpet. You cause damage to other people's belongings. Or your child rides his bicycle against a car. Or you take your dog to a friend's house, where he jumps on the sofa a little too enthusiastically. There are countless examples of minor accidents where having liability insurance can be a great help when you cause damage. Especially when the costs are high, as in the case of personal injury. With us, you have worldwide coverage.

How does liability insurance work?

Your liability insurer will assess whether you can actually be held legally liable for the damage. You are legally liable if you can be shown to have acted culpably. If, for example, you sat down on the spectacles of someone who had placed them on the chair, you cannot be held legally liable, because you do not have to expect spectacles on a chair. In that case, the person who put the glasses there is responsible for the damage. However, if you can be held legally liable, for example because you knocked over an expensive vase and this caused damage to the vase and the parquet, then your insurer will have the damage assessed by an expert, if necessary. The insurer will then fully compensate the person who suffered the damage on your behalf.

Liability insurance for a self-employed person

As a self-employed person, it is wise to take out liability insurance. As a self-employed person, you will, more than once, run into situations that may cause damage to third parties. Taking out ZZP liability insurance is a good way to cover yourself for unexpected situations. Liability insurance for self-employed persons covers the financial consequences of your wrongful actions. Damage to persons and goods and the damage resulting from this. You are also insured for damage caused by a trainee or temporary employee who is employed by you.

Corporate liability insurance

In addition to liability insurance for private individuals, there is also business liability insurance. Liability insurance for private individuals does not cover damages caused by you as a company. For this you can take out business liability insurance. With a business liability insurance, you are insured for damages caused during your work. If you are a painter and you accidentally drop a pot of paint on a customer's carpet, you are insured for this. The coverage of a Business Liability Insurance is similar to a Private Liability Insurance, but for your business.

Liability insurance for a self-employed person

As a self-employed person, it is wise to take out liability insurance. As a self-employed person, you will, more than once, run into situations that may cause damage to third parties. Taking out ZZP liability insurance is a good way to cover yourself for unexpected situations. Liability insurance for self-employed persons covers the financial consequences of your wrongful actions. Damage to persons and goods and the damage resulting from this. You are also insured for damage caused by a trainee or temporary employee who is employed by you.

Corporate liability insurance

In addition to liability insurance for private individuals, there is also business liability insurance. Liability insurance for private individuals does not cover damages caused by you as a company. For this you can take out business liability insurance. With a business liability insurance, you are insured for damages caused during your work. If you are a painter and you accidentally drop a pot of paint on a customer's carpet, you are insured for this. The coverage of a Business Liability Insurance is similar to a Private Liability Insurance, but for your business.

What is cheap liability insurance?

You can find cheap liability insurance by comparing different insurers. Also take a good look at the excess per insurer. The deductible of a liability insurance is the part of the damage amount that you have to pay yourself, usually per damage event. With most insurers there is no excess. This means that when you accidentally damage something belonging to another person, you do not have to contribute to the amount of the damage. In special cases, it can happen that a company sets an own risk but this is explicitly indicated. It is then often possible to determine the amount of the excess yourself.

Civil liability insurance

The terms liability insurance and third-party insurance are often used interchangeably. Confusing, because they are really two different types of insurance. When insuring vehicles, we speak of third-party insurance. Third-party insurance is the basic coverage for a vehicle. It insures you against damage that you cause to others with your vehicle. The most important difference is that third-party insurance is compulsory if you own a vehicle. Liability insurance is not mandatory. In addition, liability insurance is available for just a few euros a month. The premium for this insurance is significantly higher.

What is cheap liability insurance?

You can find cheap liability insurance by comparing different insurers. Also take a good look at the excess per insurer. The deductible of a liability insurance is the part of the damage amount that you have to pay yourself, usually per damage event. With most insurers there is no excess. This means that when you accidentally damage something belonging to another person, you do not have to contribute to the amount of the damage. In special cases, it can happen that a company sets an own risk but this is explicitly indicated. It is then often possible to determine the amount of the excess yourself.

Civil liability insurance

The terms liability insurance and third-party insurance are often used interchangeably. Confusing, because they are really two different types of insurance. When insuring vehicles, we speak of third-party insurance. Third-party insurance is the basic coverage for a vehicle. It insures you against damage that you cause to others with your vehicle. The most important difference is that third-party insurance is compulsory if you own a vehicle. Liability insurance is not mandatory. In addition, liability insurance is available for just a few euros a month. The premium for this insurance is significantly higher.

Liability insurance for a child

As a parent, do you have liability insurance with family coverage? In most cases your children are co-insured until the age of 23 or 27. Your children have to live at home or live out to study. When your child marries, he or she will have to take out their own liability insurance.

Liability insurance for a family

With a family liability insurance, not only you but also the members of your family are insured in case of damage. The family coverage also includes the damage to third parties caused by guests. If guests cause damage to your own belongings, this will not be reimbursed. When your family expands, it is important to take a critical look at your liability insurance. The same applies in case of a divorce, when moving in together or when the children leave home. As long as your children are not mentioned on the policy, they are not insured.

Liability insurance for a child

As a parent, do you have liability insurance with family coverage? In most cases your children are co-insured until the age of 23 or 27. Your children have to live at home or live out to study. When your child marries, he or she will have to take out their own liability insurance.

Liability insurance for a family

With a family liability insurance, not only you but also the members of your family are insured in case of damage. The family coverage also includes the damage to third parties caused by guests. If guests cause damage to your own belongings, this will not be reimbursed. When your family expands, it is important to take a critical look at your liability insurance. The same applies in case of a divorce, when moving in together or when the children leave home. As long as your children are not mentioned on the policy, they are not insured.

Customers about liability insurance

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Last updated: 26-09-2022

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