Why take out an AVP?
Accidents can easily happen. You accidentally drop a vase at a friend's house, your child shoots a ball through the neighbor's window, or your dog drops a cyclist. The financial consequences can be enormous – especially in... personal injury costs quickly add up hundreds of thousands of euros.
A liability insurance for private individuals (AVP) protects you against these financial risks. For just €2.50 to €7.50 per month you are insured up to €2,500,000 per event – including your partner, children and pets.
Although an AVP is not legally required, most Dutch people choose it. At Finass Verzekert we compare AVPs from 30+ insurers, so that you find the best coverage for the best premium.
When do you use the AVP?
Some common situations in which your AVP pays out:
Coffee over Laptop
You spill coffee on a friend's laptop – €1,500 damage
Ball through Square
Your child kicks a ball through the neighbor's window – €800
Dog Drops Cyclist
Your dog jumps into a cyclist – personal injury damages €50,000+
Vase Knocked Over
You knock over an antique vase at a friend's house – €5,000 damage
Water Damage Neighbors
Your washing machine leaks and damages your neighbors ceiling – €10,000
Pedestrian collision
You collide with a pedestrian with your bicycle – personal injury
Who is co-insured?
An AVP not only covers you, but also:
What is and is not covered?
✓ Covered by AVP
- ✓ Material damage to others
- ✓ Personal injury
- ✓ Damage from your pets
- ✓ Damage caused by your children
- ✓ Friends services (helping move)
- ✓ Damage abroad
- ✓ Opzettelijke schade kinderen <14 jr
✕ Not Covered by AVP
- ✕ Damage with motor vehicle (car/motorcycle)
- ✕ Intentional damage (adults)
- ✕ Damage to own belongings
- ✕ Damage to borrowed/rented items
- ✕ Damage to co-insured parties
- ✕ Work-related damage
- ✕ Damage to employer's laptop
💰 Premium indication AVP 2025
The premium depends on family composition and amount insured:
| Family situation | Sum Insured | Premium/month |
|---|---|---|
| Single | €1,250,000 | €2.00 - €4.00 |
| Single | €2,500,000 | €2.50 - €5.00 |
| Couple without children | €1,250,000 | €3.00 - €5.00 |
| Couple without children | €2,500,000 | €3.50 - €6.00 |
| Family with children | €1,250,000 | €4.00 - €6.50 |
| Family with children | €2,500,000 | €4.50 - €8.00 |
📊 AVP Statistics Netherlands
⚠️ Please note: RRP ≠ Third Party Insurance Car
An AVP covers damage in daily life. Damage with a motor vehicle (car, motorcycle, scooter) is NOT included - that is what the mandatory third party car insurance is for. Also damage borrowed items (employer's laptop, rented equipment) is usually excluded.
Best AVP Insurers 2025 (MoneyView)
MoneyView examined 32 liability insurance policies (September 2025):
📋 Choose the Insured Amount
With an AVP you usually choose between two coverage amounts:
- → €1,250,000: Standard, sufficient for most situations
- → €2,500,000: Extra security, small premium difference
- → Tip: Choose €2,500,000 – difference is only €0.50-€1/month
- → Personal injury: Can amount to hundreds of thousands of euros
- → Worldwide: Coverage also applies on holiday
💡 Savings tips RRP
- ✓ Combine insurance – package discount with contents/buildings
- ✓ Pay annually – no monthly administration costs
- ✓ Choose one AVP per household – family coverage is cheaper
- ✓ Compare annually – premiums can vary considerably
- ✓ Check children living away from home – sometimes co-insured (students)
- ✓ Please note your own risk – usually €0, sometimes voluntarily for a discount
