Is liability insurance compulsory?
No, not by law. Only two insurances are compulsory in the Netherlands, and this is not one of them.
This page in another language: Nederlands
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.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
What is compulsory
The Third-party liability insurance for motor vehicles under the Dutch Motor Insurance Liability Act (WAM), and the basic health insurance for anyone living or working in the Netherlands.
Nothing else is required by law. Contracts can require things, though: a mortgage lender requires buildings insurance, a landlord sometimes requires liability cover.
Why almost everyone has one
Because the amounts involved in personal injury bear no relation to the premium. If someone is left permanently unfit for work because of something you did, the loss is calculated over the rest of their life: loss of earning capacity, care costs, adaptations to the home.
That runs into hundreds of thousands or millions, while the premium is a few tens of euros a year.
What it covers
Yourself, your family members and your pets. A child who breaks a window, a dog that bites someone, a knocked-over laptop at a friend's house.
Not covered: damage caused with a motor vehicle (that is third-party motor insurance), damage in profession or business (for which you need an AVB), and care, custody and control.
Who it matters most for
For families with children and for anyone with a dog. Not because things go wrong often, but because when they do, the amount is so large that nobody can carry it themselves.
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)
Compare
Get coveredRead more
Within Aansprakelijkheidsverzekering
- Aansprakelijkheidsverzekeringthe main page
- Wat is het doel van aansprakelijkheidsbescherming in het dagelijks leven
- Welke 2 verzekeringen zijn verplicht in nederland
- Wat is de verplichte verzekering
- Waarom een aansprakelijkheidsverzekering belangrijk is voor je tweede huis
- Klaverblad aansprakelijkheidsverzekering
Similar pages
- What is the purpose of liability insurance?
- Why you need liability insurance in the Netherlands
- Compare personal liability insurance (AVP)
- Why liability insurance is essential in the Netherlands
- Personal liability insurance (AVP) through Turien & Co — compare & calculate your premium
- Liability and other miscellaneous risks: which cover belongs where?
Also relevant
Why 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.
Frequently asked questions
This is what people ask us most.
Is liability insurance compulsory?
No; only third-party motor insurance and basic health insurance are compulsory by law.
So why does almost everyone have one?
Because injury claims are calculated over the victim's whole life and can run into millions.
Are my children covered as well?
Yes, family members and pets are covered as standard.
What is not covered?
Damage caused with a motor vehicle, damage in a profession or business, and property in your care.
Can a landlord require it?
Yes, contractually; that is then just as binding as a statutory obligation.
What does it cost?
Usually a few tens of euros a year. The ratio to the risk is skewed in your favour.