From what age do I need liability insurance?
Liability insurance is designed to cover financial damages you cause to another person. Imagine, you are 17 years old and walking through an art gallery, where only expensive paintings hang. To make matters worse, you trip over your loose lace while holding your pack of chocolate milk. The chocolate flies out of your hand and lands on a 16th-century Renaissance painting. Instead of just the paint colors, there is now a brown stain in the middle of the painting. Cost to repair: €536,784.
Now you don't have this money in your bank account. But maybe you are covered through liability insurance. Perhaps because you have one yourself or because you are covered through your parents. In this blog, Alpina explains which ages and situations you are or are not covered for.
From what age should you be self-insured?
When your children are minors, they are covered under your liability insurance policy. They are then co-insured. To be co-insured, they have to meet a number of conditions. For example, your children must reside and be registered at your parents' address. One exception is if your children are going to live in rooms to study. In this case, they are often also covered by your liability insurance.
Typically, your children are co-insured up to the age of 27. However, this varies by insurer. Make sure you always check the policy conditions. Another condition is that your children are still registered at your address. Or that they are in rooms for their studies. However, from a certain age, separate conditions may apply. Always check with your insurance company when your children are still covered.
Are you 27 and still living with your parents or in rooms? Then you are really going to have to take out liability insurance yourself. Of course, you will also take out liability insurance for yourself when you move into your own house or apartment. This also applies when you have your own children. You want to be well covered against any damage they might cause, right?
Get your liability insurance through Alpina: simple and affordable
Are you considering taking out liability insurance? Then take it out now through Alpina! We have the right coverages for you and your children. Always at the most competitive premiums. Do you have any doubts or questions about our liability insurance? Please feel free to contact our customer service. They are ready to answer all your questions.
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