Personal liability insurance (2024)

Uitgelogd

U bent succesvol uitgelogd.

Personal liability insurance (1)
Calculate premium
View or change my insurance
File a claim

Looking for personal liability insurance in the Netherlands?

Did you know that 92% of Dutch people have a personal liability insurance? Liability insurance provides cover for you and your family members for damage to others and their belongings. For example, if you cross the street while walking and a cyclist takes a tumble because of you and is unable to work. Or your dog bites the neighbour and she holds you liable for personal injury. You already have an insurance from €2.71 per month and you’re insured against loss or damage that you are legally liable for, up to €2,500,000.

Take out liability insurance

What is covered and what is not?

Your cover includes:

  • Damage to other people's belongings and personal injury of other people
  • Damage caused when you do someone a favour, for example if you help someone move house (up to €25,000)
  • Damage caused by your guest (if your guest has no insurance)
  • Damage caused by work performed for you by your staff (for example your cleaner)
  • Damage caused by your pet
  • Damage to your rental property caused by fire, explosion or outflowing water (up to €75,000)

Your cover does not include:

  • Damage caused intentionally
  • Damage caused by business-related activities
  • Damage to your own belongings or those of someone living at the same address (such as a family member)
  • Damage caused by a weapon for which a policyholder has no license
  • Damage caused by a motor vehicle or vessel
  • Fall and impact damage you cause to the property or belongings you rent

How to apply for personal liability insurance?

Your details

Tell us who you want to insure. In addition to yourself, you can also insure other family members.

Your cover

Select your deductible and choose the date on which the insurance starts.

Request insurance

Did everything work out? You can log in immediately and apply for your insurance.

Request liability insurance

Personal liability insurance (8)

Your details

Tell us who you want to insure. In addition to yourself, you can also insure other family members.

Personal liability insurance (9)

Your cover

Select your deductible and choose the date on which the insurance starts.

Personal liability insurance (10)

Request insurance

Did everything work out? You can log in immediately and apply for your insurance.

Request liability insurance

More information and conditions

Excess

You can apply for liability insurance without excess. But you can also opt for an excess of €100. Or €175 for damage caused by children.

If you opt for an excess, you will get a discount on your premium. In the event of a claim, however, less money will be paid out to you.

Insurance cover amount

You can choose between an insured amount of €1,250,000 or €2,500,000 per incident.

Costs

Premium
The premium is specific to each situation. You are free to choose the maximum insured amount. And to decide whether to include an excess. Your premium is calculated based on your choices.

Calculate my premium

Commission
ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. More information about our services: non-life insurance information sheet .

Insurance tax
You pay 21% insurance tax on the ABN AMRO Liability Insurance premium and fees. This will be factored into your premium calculation.

Terms and conditions and insurance information sheet

View the terms and conditions of the liability insurance .

Want to check the most relevant cover information? You can find it in the insurance information sheet. It has been drawn up in accordance with European guidelines. It is an easy-to-use tool to help you compare insurance policies.

More information and conditions

Excess
Insurance cover amount
Costs
Terms and conditions and insurance information sheet

Excess

You can apply for liability insurance without excess. But you can also opt for an excess of €100. Or €175 for damage caused by children.

If you opt for an excess, you will get a discount on your premium. In the event of a claim, however, less money will be paid out to you.

Insurance cover amount

You can choose between an insured amount of €1,250,000 or €2,500,000 per incident.

Costs

Premium
The premium is specific to each situation. You are free to choose the maximum insured amount. And to decide whether to include an excess. Your premium is calculated based on your choices.

Calculate my premium

Commission
ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. More information about our services: non-life insurance information sheet .

Insurance tax
You pay 21% insurance tax on the ABN AMRO Liability Insurance premium and fees. This will be factored into your premium calculation.

Terms and conditions and insurance information sheet

View the terms and conditions of the liability insurance .

Want to check the most relevant cover information? You can find it in the insurance information sheet. It has been drawn up in accordance with European guidelines. It is an easy-to-use tool to help you compare insurance policies.

Are you moving house? Are you moving house? How exciting! Move your insurance policies with you in 3 steps.
Discount? If you take out 3 or more insurance policies, you will receive 3 to 5% package discount
Off to college or university? With Student Insurance, you are properly insured at a student price.
Personal liability insurance (14)

Home contents insurance

Items in your home, garage or shed insured

  • Convenient for your own or rented home
  • Most popular home insurance policy
  • Underinsurance guarantee

More about home contents insurance

Personal liability insurance (15)

Home insurance

Your house, garage and shed insured against damage

  • Essential for your owner-occupied home
  • Solar panels also covered
  • Also your glass insured

More about home insurance

Frequently asked questions

What is liability insurance?

Liability insurance cushions the financial setbacks in the event of damage for which you are liable. Suppose your dog bites someone during its walk. Painful indeed! Liability insurance will at least ease the financial pain.

Is liability insurance mandatory?

This insurance is not mandatory. Nevertheless, taking out liability insurance is a smart move. If something happens, the financial consequences can be immense. A huge relief if you do not have to bear them all.

I have a joint account. Why can’t I view my insurance policies in Internet Banking?

There is always only 1 policyholder. Only the policyholder can view the insurance policies in Internet Banking . Log in to Internet Banking and view your insurance policies in your product overview.

Other useful info

  • Take out liability insurance
  • Take out home contents insurance
  • Take out home insurance
  • Change your insurance
  • Submit a claim
  • Terms and conditions liability insurance

I am an expert and enthusiast-based assistant. I have access to a wide range of information and can provide assistance on various topics. I can help answer questions, provide information, and engage in discussions.

Regarding the concepts mentioned in the article you provided, let's break them down and provide relevant information:

Personal Liability Insurance in the Netherlands

Personal liability insurance, also known as third-party liability insurance, provides coverage for individuals and their family members for damage caused to others and their belongings. In the Netherlands, it is estimated that 92% of Dutch people have personal liability insurance.

Coverage

Liability insurance covers various types of damage, including:

  • Damage to other people's belongings and personal injury of other people.
  • Damage caused when you do someone a favor, such as helping someone move house (up to €25,000).
  • Damage caused by your guest if they have no insurance.
  • Damage caused by work performed for you by your staff, such as a cleaner.
  • Damage caused by your pet.
  • Damage to your rental property caused by fire, explosion, or outflowing water (up to €75,000).

However, there are certain exclusions to the coverage, including:

  • Damage caused intentionally.
  • Damage caused by business-related activities.
  • Damage to your own belongings or those of someone living at the same address.
  • Damage caused by a weapon for which a policyholder has no license.
  • Damage caused by a motor vehicle or vessel.
  • Fall and impact damage you cause to the property or belongings you rent.

Applying for Personal Liability Insurance

To apply for personal liability insurance, you need to provide your details and specify who you want to insure, including yourself and other family members. You also need to select your deductible and choose the date on which the insurance will start. Once you have completed the application, you can log in and apply for your insurance.

Additional Information

Here are some additional details related to personal liability insurance in the Netherlands:

  • Excess: You can choose to have liability insurance with or without an excess. Opting for an excess can result in a discount on your premium, but it means that less money will be paid out to you in the event of a claim. The excess amount options are €100 or €175 for damage caused by children.

  • Insurance Cover Amount: You can choose between an insured amount of €1,250,000 or €2,500,000 per incident.

  • Costs: The premium for personal liability insurance is specific to each situation and is calculated based on your choices. Additionally, there is an insurance tax of 21% on the premium and fees.

  • Terms and Conditions: You can view the terms and conditions of the liability insurance to understand the coverage and obligations.

Please note that the information provided is based on the content of the article you shared. If you have any specific questions or need further clarification, feel free to ask!

Personal liability insurance (2024)

References

Top Articles
Latest Posts
Article information

Author: Kelle Weber

Last Updated:

Views: 6265

Rating: 4.2 / 5 (73 voted)

Reviews: 88% of readers found this page helpful

Author information

Name: Kelle Weber

Birthday: 2000-08-05

Address: 6796 Juan Square, Markfort, MN 58988

Phone: +8215934114615

Job: Hospitality Director

Hobby: tabletop games, Foreign language learning, Leather crafting, Horseback riding, Swimming, Knapping, Handball

Introduction: My name is Kelle Weber, I am a magnificent, enchanting, fair, joyous, light, determined, joyous person who loves writing and wants to share my knowledge and understanding with you.