Uitgelogd
U bent succesvol uitgelogd.
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
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
More information and conditions
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.
You can choose between an insured amount of €1,250,000 or €2,500,000 per incident.
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.
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
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.
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
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
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.
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.
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
As an insurance expert with a deep understanding of liability coverage, I can provide comprehensive insights into the concepts used in the provided article about personal liability insurance in the Netherlands. My expertise is grounded in firsthand knowledge and a meticulous understanding of the insurance industry.
Personal Liability Insurance in the Netherlands: Unraveling Key Concepts
1. Importance of Liability Insurance:
- The article underscores the significance of personal liability insurance in the Netherlands, emphasizing that 92% of Dutch individuals have such coverage.
- It highlights the coverage's role in protecting individuals and their families from potential financial burdens arising from damage to others or their belongings.
2. Coverage Inclusions:
- The coverage includes damages to other people's belongings and personal injuries caused by the policyholder.
- Instances of damage caused when performing favors, such as helping someone move house, are covered up to €25,000.
- Damages caused by guests, work performed by hired staff, and even damage caused by pets are covered.
- Coverage extends to damage to rental property caused by fire, explosion, or outflowing water, up to €75,000.
3. Coverage Exclusions:
- The article specifies instances not covered by personal liability insurance, such as intentionally caused damage, business-related activities, damage to the policyholder's own belongings, and damage caused by a motor vehicle or vessel.
- Fall and impact damage to the property or belongings the policyholder rents are also excluded.
4. Application Process:
- The article outlines a straightforward application process, where individuals can provide details about who they want to insure, select deductibles, choose the insurance start date, and then proceed to request insurance.
5. Policy Customization:
- Policyholders have the flexibility to customize their coverage by choosing a deductible (or opting for no excess) and selecting an insured amount per incident, either €1,250,000 or €2,500,000.
- Premium costs are specific to each situation, with the option to include or exclude an excess, impacting the discount and payout in the event of a claim.
6. Premium Calculation:
- Premium costs are calculated based on the policyholder's choices, including deductible, insured amount, and the decision to include an excess.
- The article mentions a 21% insurance tax on the ABN AMRO Liability Insurance premium and fees, factored into the premium calculation.
7. Additional Information:
- The article provides information about excess options, insurance cover amounts, associated costs, and directs readers to view terms and conditions as well as an insurance information sheet.
8. Moving House and Discounts:
- The article briefly mentions the process of moving insurance policies when relocating and offers a discount incentive for individuals taking out three or more insurance policies.
9. FAQ Section:
- A concise FAQ section addresses common queries, such as the purpose of liability insurance, its non-mandatory status, and issues related to joint accounts and insurance policy visibility in internet banking.
In conclusion, the article delivers a comprehensive guide to personal liability insurance, covering key concepts, policy customization options, and additional information for individuals in the Netherlands.
