Liability insurance through Klaverblad
Klaverblad is one of the insurers with which Finass can place an AVP. What such a policy is worth only becomes clear when you ask who is covered and when the care, custody and control exclusion comes into play.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Personal liability insurance (AVP) covers damage you cause to someone else in your private life and for which you are liable under Article 6:162 of the Dutch Civil Code, the law of tort. Added to that are the strict liabilities the law attributes to you independently: for children under fourteen, Article 6:169 of the Dutch Civil Codeapplies, for your dog or cat, Article 6:179 of the Dutch Civil Code and for a defective building of which you are the possessor, Article 6:174 of the Dutch Civil Code. In those three cases no fault of your own is needed. You are liable because you are the parent, the possessor or the owner.
The most important choice is who is covered. Family cover usually includes you, your partner, children living at home and often children studying away from home, house guests and your pets. Single-person cover is cheaper but covers exactly one person. If your situation changes, that is one of the few AVP changes you really must report; the differences in premium are small, the differences in cover are not.
Finass Advies compares the offerings of several insurers objectively. Klaverblad is one of them. The choice follows from your situation and not from the brand name. On an AVP we look above all at the sum insured per event, the excess, the treatment of care, custody and control and of helping out a friend, and the territorial scope. What ultimately applies is set out in the policy conditions; you will find the product explanation on the hub page liability insurance.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
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Personal liability insurance (AVP)
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Get coveredWhy arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
What to look for in an AVP
Four provisions that lead to a refusal more often than the sum insured does.
Care, custody and control: borrowed, hired or held in safekeeping
Damage to property that you had in your care but do not own is excluded as standard. The borrowed trailer you dent, the hired drill you drop, a friend's laptop you took with you: that falls under the care, custody and control exclusion. Some policies have a limited exception for a rented holiday property or for staying with others; look at that specifically if you often borrow things.
Motor vehicles and boats belong elsewhere
Liability as the driver or possessor of a motor vehicle is excluded. For that there is compulsory third-party cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM). The same usually applies to larger boats and to aircraft. An ordinary bicycle does fall under the AVP. That is not the case for a pedal-assisted bicycle above the statutory limit or for a light moped.
Anything connected with a profession or business
The AVP covers only private life. Damage you cause during work, during paid sidelines or from a business at home is excluded, even if you work from home. For those situations there is an public and employers' liability insurance. For a work placement or a holiday job the conditions often contain a separate, limited arrangement.
Intent, and why that exclusion is so broad
Damage caused intent falls outside the cover; Article 7:952 of the Dutch Civil Code excludes intent and recklessness, and most policies also contain an intent clause that covers group behaviour. Vandalism, a fight and deliberately destroying someone else's property are therefore not insured, even if the consequences turn out far greater than intended.
What does your premium depend on?
- Family or single-person cover: the number of people covered determines the basic premium
- Sum insured per event: injury claims run higher than property damage
- Excess: a higher excess lowers the premium
- Children living at home: and whether children studying away from home remain covered
- Area of cover: worldwide cover or limited to Europe
- Package discount and claims history: several policies with one insurer, and previous notifications
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Single | Family |
|---|---|---|
| Your ten-year-old son, living at home, rides his scooter into a parked car | No | Yes |
| Your dog bites a passer-by while being walked in the park | Yes | Yes |
| Your daughter, studying away from home, causes water damage in her student room | No | Provided that |
| A house guest breaks a wrist on a loose stair rod at your home | Yes | Yes |
| Your partner runs a shopping trolley into the side of a parked car | No | Yes |
| You lend out your bicycle and the borrower hits a pedestrian with it | No | No |
In the last case the borrower is liable themselves. Their own AVP deals with the claim, not yours.
Frequently asked questions
This is what people ask us most.
My child has broken the neighbours' window. Is that covered?
For a child under fourteen you are liable as a parent under Article 6:169 of the Dutch Civil Code, even if you did nothing wrong. That damage falls within family cover. For older children, their own conduct and your supervision are considered. If there was intent, the exclusion for intent applies, although some policies contain a limited arrangement for young children.
Why is damage to borrowed items not covered?
Because the AVP is intended for damage to other people's property that was not in your care. As soon as you borrow, hire, work on or take custody of something, the care, custody and control exclusion applies and you carry the risk yourself. If you want that to be different, look at policies with an exception for borrowed items or at separate cover; that is one of the points on which AVP conditions differ from one another.
Am I insured if I cause damage to someone abroad?
That depends on the territorial scope on your policy schedule. Most AVPs have worldwide cover, sometimes with a time limit for long stays outside the Netherlands. If you move abroad or stay there for a long period, you must report it. Check the territorial scope too if you travel with a rented property or a hired vehicle.
I have received a claim. What do I do first?
Report it to the insurer and do not admit liability, not even out of politeness. Article 7:941 DCC requires you to notify as soon as you are reasonably aware; waiting can reduce the payment if the insurer is prejudiced as a result. Pass on letters and photographs and leave the assessment of liability to the claims handler.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
- Personal liability insurance (AVP) through OOM VerzekeringenInsured persons, territorial scope, care, custody and control
- What is included in third-party liability insurance?Legal liability, family, WAM
- Liability and other miscellaneous risks: which cover belongs where?Article 6:162 of the Dutch Civil Code, Article 6:174 DCC ·. The limits of the AVP
- Insurance in the NetherlandsCompulsory, customary, supervision