Unigarant · compared independently · advice from Finass
Liability insurance through Unigarant
The boundary of personal liability insurance lies at the vehicle: anything that is a motor vehicle has its own compulsory policy and therefore falls outside this cover.
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
Personal liability insurance pays for damage you or the people you live with cause to someone else outside a profession or business. The basis is Article 6:162 of the Dutch Civil Code. For anyone often on the move, with bicycles, camping equipment, a boat or animals, the value lies not in the standard wording but in the question where the policy stops and another insurance begins.
That dividing line is set out in law. For a motor vehicle a separate insurance obligation applies under Article 2 of the Dutch Motor Insurance Liability Act (WAM). A car, motorcycle, moped, light moped, mobility scooter above the usual speed limit and the speed pedelec fall under it and are therefore never covered on liability insurance, not even when you are driving someone else's vehicle.
Also outside the cover: damage to your own belongings, damage to someone else's property in your care, damage caused deliberately and damage during work for your own account. Anyone who drives or sails on business needs separate motor legal expenses cover and cover for the objects themselves.
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 Unigarant 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 Unigarant'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 Unigarant
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 Unigarant 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.
Motor vehicles: where the cover definitively stops
If you cause damage with a car, scooter or speed pedelec, that runs through the compulsory third-party cover on that vehicle and not through your liability insurance. That also applies to a borrowed or hired vehicle. One exception many policies do have is joyriding by a member of the household without your knowledge, and damage to someone else while pushing or towing by hand. Read that passage literally.
Bicycle, e-bike and fatbike: the distinction lies in the pedal assistance
An ordinary bicycle and an electric bicycle with pedal assistance up to the statutory limit do not count as motor vehicles. If you hit a pedestrian with one, that is covered. A fatbike with a throttle, a modified e-bike or a speed pedelec does count, and needs a registration number and its own insurance. If a bicycle is modified, cover falls away at the moment it matters most.
Boats: only without an engine is it included
A canoe, a rowing boat or a surfboard still falls under liability cover on many policies. As soon as there is an engine on it, or the craft exceeds a certain length or speed, a separate pleasure craft policy is needed. Water-skiing behind a motor boat and steering a hired sloop then fall outside it too. Damage you cause to the hired boat itself is care, custody and control in any event and is not covered.
On holiday: territorial scope and rented accommodation
Outside Europe the cover only applies if worldwide cover is included; check that before a long-haul trip. Damage to a rented holiday home, a chalet or a static caravan is a care, custody and control loss and therefore often falls outside the policy, although some versions have a limited extension for accommodation. The excess on a hire car is never covered; there is separate excess insurance for that.
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. Family cover includes your partner and children and therefore carries a higher rate than single-person cover.
Sum insured per event. The maximum per claim is decisive, certainly for injury after a collision involving a bicycle.
Area of cover. Europe or worldwide; anyone travelling far or wintering abroad needs the broader version.
Care, custody and control cover included. An extension for rented accommodation and borrowed items costs extra and is capped differently on each policy.
Recreational possessions. Boats, camping equipment and pets bring their own liability risks and count in the underwriting.
Excess chosen. An excess per event reduces the premium and keeps small claims out of the loss record.
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.
An e-bike with pedal assistance up to the statutory limit does not count as a motor vehicle, so damage you cause to someone else with it is covered. A speed pedelec or a fatbike with a throttle falls under the insurance obligation in Article 2 of the WAM and needs its own policy. Damage to the bicycle itself, through theft or a fall, belongs with a bicycle policy.
Am I insured if I drive someone else's car?
Not for damage to third parties through this policy, but through the third-party insurance on that vehicle. That is compulsory and follows the car, not the driver. If you cause damage, it costs the owner no-claims years. For damage to the borrowed car itself the owner needs own-damage cover; your liability policy does not pay for it.
Does the cover apply worldwide?
Only if that is stated on your policy schedule. As standard the cover on many policies is limited to Europe, sometimes to the countries on the green card. For a trip beyond that you can insure worldwide cover, usually for a continuous period. If you stay abroad for a longer continuous period, cover can lapse; report such a stay in advance.
My child rides a fatbike. What do I have to arrange?
First establish what it is. If the bicycle only assists while pedalling and stays within the statutory limit, liability is included under family cover. If it has a throttle or has been modified, it counts as a moped: registration number, compulsory insurance and a helmet. Without that policy there is no cover at all in a collision involving injury.
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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