Does liability insurance cover the whole family?
With a liability insurance , you are not only insured yourself, but also other members of your family in case of damage. Especially with children, it can be nice to be well insured in case of damage. Children are simply boisterous and accidents can happen at any time. With a liability insurance your whole family is insured in case of damage.
The amount of the premium depends, among other things, on the composition of the family. For example, a single person without children pays less for liability insurance than a family with children. This is because the insurer is more likely to have to pay out compensation. But who is covered by a liability insurance?
Who is covered within a household?
Nobody expects to need liability insurance. Yet there are countless examples of minor accidents in which liability insurance would be beneficial to your family. For example, if you spill a glass of red wine on a friend's carpet. Or if your child rides his bicycle into the neighbour's parked car. Or even if your dog jumps on your parents' couch a little too enthusiastically.
If you take out liability insurance with family cover for your family, you are not only insured yourself but also:
Up to what age are children co-insured?
Many insurances have a maximum age at which children are co-insured. Often this is up to the age of 27. If your children live away from home to study, they are still co-insured. Do they live away from home, but not because of a course of study? Then they have to take out their own liability insurance. The family coverage also includes the damage to third parties caused by possible guests. If your guests cause damage to your own belongings, this will unfortunately not be reimbursed.
Children up to 14 years of age are not held responsible for the damage they cause. Even if it is clear that they are to blame for the damage. This is because it is assumed that children up to the age of 14 are not yet old enough to oversee the consequences of their actions. From the age of 14, your child is still covered under the policy, but intentional damage is less likely to be compensated. It is expected that your child is old enough to take more responsibility.
Take out liability insurance? Calculate the premium directly!
Take out liabilityliability insurance through Alpina!
At Alpina.nl, you can easily obtain liability insurance for your family. You do this by first filling in some details in our online comparison tool. Then you determine the amount of the deductible and the insured amount. Next, you will be shown a number of insurance policies tailored to your needs with the corresponding premiums and policy conditions. Have you found a liability insurance with good family coverage? Then you can take it out right away.
Can't find your way or do you have any questions? You can reach us from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700. We will be happy to help you! See also the frequently asked questions about liability insurance.
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