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How do I 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 amount of the premium? Below, we will give you some tips on how to compare liability insurance so that you can make a good choice.


liability insurance

What exactly is liability insurance?

A liability insurance compensates the damage to someone else or someone else's belongings, which is caused by you. If you are legally responsible for this damage, the damage is usually covered by the liability insurance.

In the Netherlands, this insurance is not compulsory by law. A third-party insurance (WA) for the car is compulsory. Taking out a car insurance can be done easily via our website

Take out liability insurance? Calculate your premium!

What data is needed for comparison?

Liability insurance premiums are not the same for everyone by default. For example, it makes a difference whether you are single or have a family. Also the maximum insured amount per event and any excess are premium determinants. Some insurers allow you to choose/decide the above yourself.
Some insurers have included even more premium determining factors in their premium calculation.

This means that you need the above data as a minimum in order to be able to compare the liability insurance policies of different insurers.

What should I look for when comparing different liability insurances?

The most important question in insurance is always "what does this insurance cover?" and "what does the insurance not cover? And 'what does the insurance not cover? which items are excluded from the cover? This way, you avoid comparing apples with oranges.

If, for example, the sum insured and the amount of the excess do not correspond with two different insurers, you cannot compare on the basis of premium alone.

Most insurers offer you a discount if you also take out other insurance policies with them. For example, home contents insurance, building insurance and legal assistance insurance. This is called a package discount. This could also influence your choice.

Can I get liability insurance through Alpina?

We work together with several providers for liability insurance. Therefore, you can also compare different providers with each other. You can do this online or by contacting our staff by telephone. Just what you prefer! We are happy to help you with this.

Read also:

Calculate the premium for your liability insurance directly

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