Insured persons · territorial scope · care, custody and control
Personal liability insurance (AVP) through OOM Verzekeringen
Personal liability insurance turns on two questions: exactly who is covered by the policy and where the cover applies. That is precisely where policies differ.
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Deze pagina in het Nederlands: Aansprakelijkheidsverzekering voor particulieren via OOM Verzekeringen.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- 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.
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. There are also strict liabilities that have nothing to do with fault: as the possessor of a building or a defective structure (Article 6:174 of the Dutch Civil Code), as the possessor of an animal (Article 6:179 of the Dutch Civil Code) and as the parent of a child, where Article 6:169 of the Dutch Civil Code provides that you are liable for young children without more. Finass Advies acts as intermediary through OOM Verzekeringen among others; which insurer is suitable follows from your situation and not from the brand name.
Who is insured is set out in the description of the household composition: single, living together or a family. Children studying away from home are often still covered, adult children with their own income usually are not. House guests and domestic staff are sometimes covered and sometimes not. In a separated family, blended families or with an au pair it pays to read that list literally, because a person not named is not an insured.
The second point is the area of cover. Many policies cover worldwide but limit the cover in time as soon as you stay outside the Netherlands for longer than a certain period. If you live, study or work abroad temporarily, or come to the Netherlands from abroad, the fit between your policies is the point to watch; see also insurance for expats. The general explanation of cover and sums insured is on the hub page personal liability insurance.
This page deals with one situation. The full overview is on Compare personal liability insurance (AVP).
What to look out for
Four situations in which an AVP pays out less often than people expect.
Motor vehicles fall outside it
Damage caused with a car, motorcycle, scooter or speed pedelec is excluded. The compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM)exists for that. That also applies if you drive a borrowed vehicle. An ordinary bicycle and an electric bicycle with pedal assistance up to 25 kilometres per hour usually do fall under the AVP; check that on each policy.
Care, custody and control: borrowed and hired property
If you damage something you had borrowed, hired or been given to look after, the care, custody and control exclusionapplies. A friend's laptop, hired equipment or a borrowed trailer therefore fall outside the cover. Some policies have a limited exception for damage while staying with others or for a rented holiday home. That is then set out expressly in the conditions.
Work and business are not insured
The AVP covers private life only. Damage you cause during your work, in a sideline job or from your own business falls outside it; for that an public and employers' liability insurance is needed. Favours for friends with a clearly commercial character can also come to grief on this boundary.
Intent and your own losses
Damage caused intentionally is excluded, as Article 7:952 of the Dutch Civil Code permits, including in group behaviour you took part in. The AVP also never pays for damage to your own belongings or to those of insured family members between themselves: there has to be a third party holding you liable. Your own loss belongs on a home contents insurance or another indemnity policy.
What does your premium depend on?
- Household composition: single, cohabiting or a family with children
- Sum insured: the maximum payout per event
- Excess: a higher excess lowers the premium
- Area of cover: worldwide or limited to stays in Europe
- Keeping animals: a dog or a horse increases the risk
- Claims history: previous claims count in the underwriting
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | AVP for a single person | AVP for a family |
|---|---|---|
| Your four-year-old daughter breaks another child's glasses while playing | No | Yes |
| Your dog bites a passer-by in the park | Yes | Yes |
| Your son, studying away from home, causes water damage in his student room | No | Provided that |
| Your adult son with a job of his own still lives at home and damages the neighbours' fence | No | No |
| Your au pair drops someone else's phone during an outing | No | Provided that |
| On holiday in Spain you hit a parked scooter with your suitcase | Yes | Yes |
Anyone who does not fall within the household composition described is not an insured. So report changes in the household straight away.
Frequently asked questions
This is what people ask us most.
My child has broken something at a friend's house. Is that covered?
Usually yes, provided the child is named as an insured on the policy. For young children you as a parent are liable without more under Article 6:169 of the Dutch Civil Code, even where the child is not at fault. If the situation changes because the child starts studying or starts earning, check whether they are still covered.
I am staying abroad for a longer period. Does my AVP still apply?
That depends on the conditions. Many policies cover worldwide but tie the cover to residence in the Netherlands and to a maximum period of stay elsewhere. If you emigrate or go to work or study abroad for a long period, report it in advance. Otherwise you run the risk that the cover has already ended before the damage occurs.
What if someone holds me liable but I disagree?
Report the letter holding you liable and leave the assessment to the insurer. The policy gives the insurer the right to settle the claim and to conduct a defence if the claim is unjustified. Those defence costs are usually for the insurer's account. Admit nothing yourself and make no undertaking, because that can limit your cover.
Does the AVP also cover a dispute with a neighbour or an online shop?
No. The AVP only comes into play when someone else holds you liable for damage. If you want to pursue someone yourself, or the matter is a dispute about a purchase, a contract price or neighbour law, you need legal expenses insurance. Those two covers complement each other and do not replace one another.
Read more
Within Aansprakelijkheidsverzekering
- Aansprakelijkheidsverzekeringthe main page
- Klaverblad aansprakelijkheidsverzekering
- Wat zit er in een wa verzekering
- Turien co aansprakelijkheidsverzekering voor particulieren
- Turien co premium aansprakelijkheidsverzekering
- Sport and hobbies: what you are and are not covered for
- Nh1816 aansprakelijkheidsverzekering
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