Liability
insurance
Netherlands

Liability insurance Netherlands

Personal liability insurance coverage

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
  • Housekeeping staff during their work for the insured party
  • Pets
Liability insurance coverage varies across policies and providers.

Personal liability insurance in the Netherlands

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 coverage

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.

Frequently Asked Questions

What does liability insurance cover?

Liability insurance covers physical and mental injury as well as material damage. It typically covers the following expenses:

  • Legal proceedings
  • Research by accredited experts
  • Completion of the claim

You can choose the maximum level of coverage, which commonly ranges from € 500,000 to € 2,500,000. Increments may vary across providers.

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

Liability insurance providers typically exclude:

  • Damage caused intentionally
  • Damage due to sexual activity
  • Damage caused by a car, motorcycle, moped or e-bike
  • Damage caused by boats or airplanes
  • Damage to property owned by you or others living in your household
  • Damage caused while playing certain sports

Exclusions may vary across providers. Some providers offer additional coverage for damage caused by pets or damage caused while playing a sport or game.

How does the insurance provider determine my premium?

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?

Liability insurance providers typically exclude:

  • Damage caused intentionally
  • Damage due to sexual activity
  • Damage caused by a car, motorcycle, moped or e-bike
  • Damage caused by boats or airplanes
  • Damage to property owned by you or others living in your household
  • Damage caused while playing certain sports

Exclusions may vary across providers. Some providers offer additional coverage for damage caused by pets or damage caused while playing a sport or game.