How can I apply for liability insurance?
Finally, you made the choice to apply for liability insurance. You would like to be protected when you inadvertently damage another person's belongings. Or worse: to that person yourself. In fact, when this happens, you may face a liability claim. The person who suffered the damage will then try to recover the damages from you. With liability insurance, you can cover these costs.
But what is covered by liability insurance? Who is covered by liability insurance? And how do you apply for liability insurance? Through this blog, Alpina explains it for you.
What is insured with liability insurance?
As discussed above, compensation is for damages you have caused to another person. When you cause damage to another, your insurer will assess whether you can actually be held liable. Did you cause damage but cannot be held liable? Then the insurance company will also not pay out. Are you found liable? Then the insurer will cover the costs incurred due to the damage.
Be aware that the damage incurred is only reimbursed up to a certain amount. For example, you may be insured up to an amount of 1 million euros. Have you damaged a work of art worth 2 million euros? Then you must compensate the remaining 1 million euros yourself.
Who is insured with liability insurance?
In addition to what is insured, it is also important to know who is insured. First, you yourself are always insured with liability insurance. In addition to being insured, your family is also insured.
Your children are also insured when they are minors and living away from home, adults and living at home, or adults and living away from home because of their studies. In addition, your pets are also co-insured. After all, your dog may eat your visitor's shoes. In this case, you are liable for the articulated damage because the dog is your responsibility.
How do you apply for liability insurance?
You can choose to go through each insurer's site and fill in your requirements each time. This will give you a quote from that insurer. Then you go to the next site and do the process again. Until hours later, you have finally compared all the different prices and can make a choice.
However, it can also be easier. Namely, you can use Alpina's online tool. All you have to do is fill in your details once as you will with the other insurance sites. Then you fill in the modules that suit your needs. Based on what you entered, the online tool will give you the best possible insurance for the most competitive premium.
Get your liability insurance through Alpina: simple and affordable
Are you considering taking out liability insurance? Then take it out now at Alpina! Thanks to our large number of modules, you can always choose the insurance that suits your needs. Do you have any doubts or questions about our liability insurance? Then feel free to contact our customer service team. They are ready to answer all your questions.
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