Turien & Co · compared independently · advice from Finass
Personal liability insurance through Turien & Co
Personal liability insurance covers damage that you, your family members, your pets or your home cause to someone else: expressly outside your work and outside road use with motor vehicles.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The AVP is an indemnity policy for third parties: it pays nothing of your own. The starting point is Article 6:162 of the Dutch Civil Code: anyone who acts unlawfully and causes damage as a result must make it good. The policy takes over that obligation and also conducts the defence where you are held liable without justification. In reality the latter is at least as valuable as the payment itself.
The group of insured persons is broad: your partner, children living at home, usually children studying away from home and house guests as well, plus your pets. One policy therefore covers a range of risks that are hard to insure separately: Article 6:169 of the Dutch Civil Code for young children, 6:179 DCC for animals and 6:174 DCC for your building.
Where the AVP stops, other policies begin. Damage to your own belongings runs through a home contents, golf or motor policy; damage caused with a car or scooter through the WAM cover on that vehicle.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what Turien & Co and other insurers offer here.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare Turien & Co's extended versions with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What is covered
Situation
Standard
With extension
Your child breaks a window at the neighbours'
Yes
Yes
Your dog bites a passer-by (6:179 DCC)
Yes
Yes
Damage to a rented holiday home
Provided that
Provided that
Damage to property in your care (care, custody and control)
No
Provided that
Damage caused with a motor vehicle (Article 2 WAM)
No
No
Damage caused intentionally (7:952 DCC)
No
No
Personal liability insurance (AVP) covers damage that you or a member of your household cause to someone else in a private capacity. Damage caused with a motor vehicle is not covered: the WAM applies to that. The care, custody and control exclusion excludes damage to property in your care, unless the policy provides an extension for it.
What we do
What we do
At Finass
Direct with Turien & Co
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Turien & Co is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Exactly who is covered
Family cover includes you, your partner and your children living at home. Children studying away from home are included under most conditions as long as they are unmarried and in full-time education. A child with their own income and their own household drops out. If you live alone, single-person cover is enough. If your household changes (moving in together, separating, a child who starts work) report it, otherwise the group of insured persons is open to argument when a claim arises.
Care, custody and control: borrowed and hired items
If you damage something belonging to someone else that was in your care, the policy speaks of care, custody and control, and that is limited or excluded as standard. Think of the borrowed trailer, your employer's laptop, the holiday home you rent or an acquaintance's classic car you take for a drive. Some conditions have separate, capped care, custody and control cover for staying with others and for borrowed items; let us check what your version says.
Animals and your home
As the possessor of an animal you are liable under Article 6:179 of the Dutch Civil Code for damage the animal causes of its own accord, even where you did nothing wrong: the dog that knocks over a cyclist, the cat that breaks a vase at the neighbours'. For defective structures, Article 6:174 of the Dutch Civil Codeapplies: if a roof tile or a branch falls on someone else's car, you are liable as the owner.
What the AVP expressly does not do
Excluded are damage caused with or by a motor vehicle, which runs through the compulsory WAM cover under Article 2 of the Dutch Motor Insurance Liability Act (WAM): damage from professional or business activities, including self-employed work and paid jobs, and damage you cause deliberately or through unlawful conduct. Fines, contractual penalty clauses and pure financial loss without injury or property damage also fall outside the cover.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Household composition. Single, living together or a family with children: that determines the group of insured persons.
Sum insured per event. In injury claims the amounts run high. The limit chosen weighs heavily.
With or without care, custody and control cover. An extension for borrowed and hired items costs extra premium.
Property owned. A second home, a let property or a holiday home increases the buildings risk.
Pets. Keeping dogs or horses brings liability under Article 6:179 DCC.
Area of cover and excess. Worldwide cover and a lower excess increase the premium.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Yes, that is the essence of Article 6:179 of the Dutch Civil Code: as the possessor you are liable for damage caused by the animal's own energy, even if you did nothing wrong. The AVP pays the victim's injury and the consequential loss. The exception is damage to your own family members and damage that was deliberately provoked.
Does the AVP cover damage during my sideline as a self-employed professional?
No. As soon as you work for payment, the activity is professional or business activity and that is excluded. Public and employers' liability insurance exists for that. Even a friendly job that you invoice falls under it. If you do an unpaid job for a neighbour, that is usually a favour and the insurer assesses the claim on its merits.
My child broke a window. What now?
For children under fourteen the parents are liable under Article 6:169 of the Dutch Civil Code, even without fault of their own. The AVP then pays for the window. For older children their own conduct is considered, but as long as they belong to the group of insured persons the claim runs through your policy as normal. Report the loss as soon as possible.
Does my AVP also apply on holiday abroad?
Most policies have worldwide cover, often with a time limit for long stays. Watch the care, custody and control provision: damage to the holiday home you rent or to borrowed items at the campsite is not automatically covered. Before you leave, we check the territorial scope and the care, custody and control cover on your policy schedule.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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