How does the insurance provider determine my premium?

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When determining the liability insurance premium, insurance providers usually consider:

  • Your family situation
  • The deductible you have selected
  • The maximum coverage level

Typical premiums are inexpensive, ranging from € 20 to € 60 per year. Most people will purchase liability insurance as part of a home contents insurance package.

What type of incidents are usually excluded from liability insurance cover?
What type of incidents are usually excluded from liability insurance cover?