Why take out private liability insurance?
Private liability insurance is an indispensable insurance. Through your fault, you can cause hundreds of thousands of euros worth of damage to others. The person causing the damage bears the financial burden. So it is best to be insured against this. What should you pay attention to when taking out private liability insurance?
Car owners are obliged to insure the car against third-party liability (WA). Without a car, you can also cause considerable damage to others. For example, in the shopping centre, you might accidentally bump into a woman rolling down an escalator. She also ends up in an unfortunate position at the bottom of the stairs. In the event of serious injury, you could face a priceless claim. Without liability insurance, you will be responsible for the costs. Financially, this is probably an impossible task.
Liability insurance cover for private individuals
Private liability insurance comes in various forms. The most common are a single or family coverage. If you are alone, the premium is lower as the risk of loss is less. With family coverage, other family members such as your spouse, registered partner and your children (up to a certain age) are also insured. Do your parents (in law) or grandparents live with you? Then in most cases they are also covered under the liability insurance. Pets are co-insured in both the single person and family coverage.
Take out liability insurance? Calculate the premium directly!
Liability insurance excess
Most insurers have not set a deductible when it comes to liability insurance for individuals.
With most insurers, however, you do have a choice in this regard. The higher the deductible you choose, the lower the insurance premium becomes (i.e., you get a discount). But be careful with this. When filing a small claim, it makes a big difference whether the deductible is €0 or €100. With €100 deductible, you cannot file many claims, namely if the repair costs of a damaged object of someone else are lower than €100, the insurer will not pay anything.
How much does personal liability insurance cost?
The cost of liability insurance is called the insurance premium. The cost of liability insurance is relatively low and depends on the insurance policy and whether there is an excess. Read more about how the premium is structured here.
Combining liability insurance with other insurances
On Alpina\.nl you can compare liability insurance, but you can also include other insurances right away. Often liability insurance is combined with home and contents insurance. By combining these insurances, you can often benefit from a package discount. Moreover, insuring with one insurer on one policy also offers convenience. In case of damage, you can settle everything with the same insurer.
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.