From what age do I need liability insurance?
Liability insurance is intended to cover any financial loss you cause to another person. Imagine, you are 17 years old and you are walking through an art gallery where there are only expensive paintings. To make matters worse, you trip over your loose lace, while holding your packet of chocolate milk. The chocolate flies out of your hand and lands on a 16th century Renaissance painting. Instead of just the paint colours, there is now a brown stain in the middle of the painting. Cost for 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?
If your children are minors, they are covered by your liability insurance. They are then co-insured. To be co-insured, they have to fulfil a number of conditions. Your children have to live and be registered at your parents' address. One exception to this is when your children start living in rooms for their studies. In this case, they often fall under your liability insurance as well.
Usually, your children are co-insured up to the age of 27. However, this differs per insurer. Make sure you always check the policy conditions. This also applies if your children are still registered at your address. Or that they are living in rooms for their studies. However, from a certain age, separate conditions may apply. Always check with your insurer if your children are still covered.
Are you 27 years old and still living with your parents or in rooms? Then you will have to take out liability insurance yourself. Of course, you should also take out liability insurance for yourself when you move into your own house or flat. This also applies when you have your own children. You want to be well covered for any damage they might cause, don't you?
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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