Frequently asked questions about the liability insurance:
IMMEDIATELY liability insurance ARE YOU INSURED AS YOU ARE IN ACCORDANCE WITH THE LAW LIABLE are liable for damage. For example, if you cycle into a parked car, your cat knocks over an expensive vase or if your children shoot a ball through the neighbor's window. But also if you, your child or pet injure someone. Not every damage is insured. Consider intentional damage or damage caused with a motor vehicle. Rented items are also not covered liability insurance. For example, if you rent a sander for that painting job in the house. Or if you rent a party tent for a garden party.
IMMEDIATELY liability insurance ARE YOU, YOUR LODGES AND PETS WELL INSURED. DO YOU ALSO WANT TO INSURED YOUR FAMILY MEMBERS, OTHER ROOMMATE AND CHILDREN LIVING AWAY? THAT IS POSSIBLE. UPON CLOSING YOUR liability insurance YOU CAN THEN CHOOSE FAMILY COVERAGE. IF THEY CAUSE DAMAGE, IT WILL ALSO BE COVERED. A COMFORTING THOUGHT, RIGHT? EVEN IF, FOR EXAMPLE, YOUR PARENTS (IN-LAW) LIVE WITH YOU, THEY ARE FAMILY MEMBERS. AND ARE YOUR (STEP OR FOSTER) CHILDREN UNMARRIED AND ARE THEY GOING TO LIVE SOMEWHERE ELSE TEMPORARILY FOR A DAY STUDY? THEN THEY JUST REMAIN INSURED.
A liability insurance reimburses the damage you cause to other people's belongings. Like the television that slips out of your hands during a friend's move. Or your child who cycles into the neighbor's car. Or if someone else is injured through your fault.
A liability insurance for private individuals (AVP) covers damage that you or one of your family members causes to someone else when you are not driving a car or other motor vehicle. This applies to damage to property and persons (personal injury).
You close one liability insurance because you want to protect yourself and your family against the risk of liability. You can be held responsible if someone is injured through your fault. But also if you accidentally damage other people's property. Resulting in a claim for damages.
The liability insurance does not cover: damage to rented items. damage that you have caused intentionally. damage occurred during your work.
The liability insurance is part of the housing package. Buildings, contents, Liability and, if necessary, legal assistance insured in one package. No discussions between insurers about under which insurance the payment of damages will be made fall .
In the Netherlands, taking out liability insurance is not mandatory. But it is wise to do this. Accidents can happen, especially with small children or pets. The costs for compensating the damage can then be quite high.
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