Can an 18-year-old take out liability insurance on their own?
The moment you turn 18, you’re officially an adult. This brings a lot of changes and new responsibilities. For example, as an 18-year-old, you can vote, you have to get your own health insurance, and you can drive a car without a chaperone. Eighteen is also often the age when many young people start a new course of study and perhaps move into their own apartment.
It’s important to take a close look at your insurance policies when you turn 18. Before then, you’re often still covered under your parents’ insurance policies, but once you turn 18, this is no longer the case for every type of insurance. Now you might be wondering: Do I also need to get my own liability insurance when I turn 18? We’ll explain it to you!
Not required, but it's a good idea!
Taking out liability insurance isn’t mandatory, but it is a wise decision. With liability insurance, you’re covered for damage you cause to others. Imagine that, at a friend’s party, you accidentally knock over an expensive vase belonging to her parents. Or that, while playing sports, you injure a friend, causing him to suffer bodily injury. The costs can really add up in the event of damage. As an 18-year-old, your financial cushion is often not yet large enough to cover the high costs of damages yourself. Have your parents already taken out liability insurance? Then, as an 18-year-old, you’re automatically covered under their policy. Do you no longer live at home, but in a dorm or apartment because of your studies, for example? Even then, you’re still covered under your parents’ liability insurance.
Living at home or living independently
Do you still live at home with your parents? If so, most insurers will cover you under their policy until youturn 27. If you move into a dorm because of your studies, you’ll still be covered under their policy. The coverage remains in effect as long as you’re studying. If you’ve finished your studies and no longer live at home, you’ll need to take out your own liability insurance. Even if you’re older than 27, you’ll need to take out your own liability insurance, even if you still live at home or are studying. You will no longer be covered under your parents’ insurance policy. Different rules also apply if you get married. The maximum age up to which you are covered may vary by insurer. Therefore, always check the terms and conditions of your insurance policy.
Are you planning to study or do an internship abroad? If so, it’s important to find out in advance what your liability insurance covers. Read more about coverage abroad here.
Take out liability insurance through Alpina
Are you 18 years old and looking to get liability insurance? For example, because your parents don’t have it yet? Then get it right away through Alpina! There are many different insurers that offer liability insurance. That’s why it’s best to compare insurance policies. Get an estimate of the monthly premium right away. When comparing, however, don’t just look at the premium amount—also consider the coverage and policy terms. That way, you can be sure you’re properly insured.
Do you have any questions about taking out liability insurance, or would you like to discuss it further? Our insurance specialists are here to help. You can reach us Monday through Friday at 088 – 6883700 or send us a message via chat, WhatsApp, or Messenger.
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