VvE liability insurance
A loose roof tile that falls on a parked car, or a visitor who slips in the shared stairwell: the VvE is then liable as the owner of the building.
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- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- 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
As the owner of the building, a VvE is liable for loss caused by defects: loose roof tiles, a broken stair rail, a slippery floor or poorly maintained balconies. That liability is independent of fault.
The policy also covers the employers' liability for a caretaker or cleaner employed by the VvE, and usually also for volunteers who do odd jobs.
This page deals with one part. The overview of all parts is on the the main VvE insurance page.
Independent, personal, sorted quickly
We compare your personal liability insurance (AVP) across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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.
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.
What to look out for
Owner's liability is strict liability
You do not have to have made a mistake. If the building is defective and loss arises as a result, the VvE is liable.
Volunteers and the caretaker
If a resident does odd jobs voluntarily, the VvE can be treated as the employer. Check whether volunteers are covered.
Maintenance is your best defence
An up-to-date long-term maintenance plan and maintenance that has demonstrably been carried out limit liability and help in handling a claim.
Separate from the buildings policy
Buildings insurance (opstalverzekering) pays for damage to the building. Loss the building causes to others falls under this policy.
What determines the premium
- Number of apartment rights
- Year of construction and state of maintenance
- Use: homes, shops or mixed use
- Staff employed
- Sum insured per event
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
Frequently asked questions
Is liability insurance compulsory for a VvE?
Not in law, but it is strongly advisable. As the owner of the building the VvE is strictly liable for loss caused by defects, even without fault.
What is an example of such a loss?
A roof tile that comes loose and damages a car, or injury to a visitor caused by a defective stair rail or a slippery floor.
Are volunteers covered?
Often yes, but check this expressly. A resident who does odd jobs can in some circumstances be regarded as an employee of the VvE.
What if the defect stems from a maintenance backlog?
A maintenance backlog can lead to a restriction of the cover and it also strengthens the case for liability. An up-to-date long-term maintenance plan is therefore important.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
- Premises liability insuranceOwner's liability, defects, injury
- Liability insurance for care and welfareTreatment relationship, injury, disciplinary proceedings
- Liability insurance for foundations and associationsVolunteers, activities, the board
- Liability insurance for a VvEPossessor of the building, Article 6:174 DCC, alongside the buildings policy
- Liability insurance for the hospitality sectorGuests, food safety, terrace
- Insuring a car without no-claims yearsStarting position, building up, alternatives
- Insuring a second carNo-claims years, second-car arrangement, regular driver
- Car insurance for young driversStarting position, regular driver, excess