In the Netherlands, you can be held financially liable if you cause injury to other people or damage their property, even if it was an accident. Although liability insurance is not mandatory, Dutch people have adopted it in great numbers. According to the Insurers’ Association, 99.9% of Dutch people were covered by personal liability insurance in 2014.
Liability insurance policies in the Netherlands typically cover the insured person as well as their direct family members, including children over the age of 18 who are away at college or university. Other persons covered usually include: Relatives permanently living in the household Overnight guests Housekeeping staff during their work for the insured party Pets Liability insurance coverage varies across policies and providers.
Liability insurance covers physical and mental injury as well as material damage. It typically covers the following expenses:
You can choose the maximum level of coverage, which commonly ranges from € 500,000 to € 2,500,000. Increments may vary across providers.
Liability insurance providers typically exclude:
Exclusions may vary across providers. Some providers offer additional coverage for damage caused by pets or damage caused while playing a sport or game.
When determining the liability insurance premium, insurance providers usually consider:
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.
Liability insurance providers typically exclude:
Exclusions may vary across providers. Some providers offer additional coverage for damage caused by pets or damage caused while playing a sport or game.