An accident is quickly made, and the bill can be huge. Liability insurance in the Netherlands (aansprakelijkheidsverzekering) pays when you accidentally damage someone else's belongings or cause an injury. Often for around €6 a month.
Personal liability insurance protects you against claims from others. If you, a family member or your pet accidentally causes damage or injury, the insurer pays instead of you.
You knock over a neighbour's TV or spill wine on a friend's laptop. The damage to their possessions is covered.
Someone gets hurt because of something you did by accident. Compensation claims can be high; your liability insurance takes care of them.
Damage or loss while helping a friend, for example when moving house, is insured up to €25,000.
A guest causes damage and has no insurance of their own? Your policy covers it.
Damage or loss caused by activities of people working for you at home, such as your cleaner.
Your dog bites a passer-by or your cat ruins the neighbour's sofa. Pets are generally included.
You choose who the policy covers: just yourself, or your whole household. Conditions differ per insurer, which is exactly why it pays to compare.
Premium, cover and limits depend on your household and the insurer and policy you choose.
See my premiumLiability insurance is not compulsory by Dutch law, but most rental agreements make it mandatory. Arrange it before you move in, so you and your landlord are protected from day one.
No. Many people think it is compulsory, but it is not required by law. Most rental agreements do make it mandatory, and the large majority of Dutch households have one.
It is one of the cheapest insurances you can take out: often around €6 a month. The exact premium depends on your household and the insurer. The online comparison shows the premium for your situation.
You decide: yourself only, or your partner and family as well. Children are automatically included, also when they study in another city, until the age of 21.
Pets are generally included, but there are big differences between insurers. Compare the conditions carefully, especially if you have a dog.
Personal liability insurance typically does not cover damage to your own belongings, damage you cause on purpose, or damage caused with a motor vehicle. For your car you need separate car insurance.
Yes. European Insurance specialises in expats in the Netherlands. You can compare and apply online, and our advisors speak English.
Compare liability insurance in the Netherlands and protect your family for a few euros a month.
Prefer personal advice? Call 085 169 5990 or make an appointment. Free of charge.
This information is for general guidance only. Premiums, cover, limits and conditions differ per insurer and policy; the policy terms of the insurance you choose are leading.
Easily and quickly arrange your insurance online via the online tool of European Insurance.
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