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Indemnity insurance

The passenger indemnity insurance is taken out to insure the damage to passengers following an accident. It may concern material damage as well as personal injury. The driver is also insured.

In case of an accident, you can hold the liable party liable for the damages. For example, if an occupant is unable to work, the other party can be held liable for the financial loss caused by the accident. Unfortunately, these are often lengthy processes and recovering personal injury damages from the other party is often complex. With the damage passenger insurance you can quickly compensate your passengers in case of damage.

Accident insurance or indemnity insurance

Compared to the accident passenger insurance, the non-life passenger insurance offers a broad coverage. The accident passenger insurance pays out a one-off sum of €5,000 in the event of a claim if a passenger dies as a result of an accident. In the case of permanent disability, the insurer pays out €15,000. In the case of passenger insurance, the payment is geared to the actual costs. In the case of permanent disability, for example, the financial loss is not limited to €15,000. The damage caused by not being able to work anymore can run into hundreds of thousands of euros.

The driver is also insured

Taking out the passenger indemnity insurance is primarily done for the proper insurance of your passengers. It can also be an important insurance for the driver of the old-timer. We explain this by means of an example.

An old-timer is insured all-risk without additional insurance. The driver made a small steering error on the motorway and hit the crash barrier at 120 kilometres per hour. The damage to the crash barrier and the vintage car are compensated by the insurer. The driver is a self-employed entrepreneur, but because of the accident he becomes incapacitated for work. Unfortunately, the driver does not have disability insurance. Because of the accident, the driver lost his monthly income. Under certain conditions, there is a right to social assistance benefit.

If, in addition to the all-risk old-timer insurance, a passenger indemnity insurance had been taken out, the driver could recover the financial loss from this insurance. This example shows that it is certainly not a pointless insurance.

The premium is a few euros per month. You will probably never need to use the passenger insurance, but we recommend it for security.

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