What is passenger indemnity insurance?
As a supplement to your car insurance you can take out a passenger insurance. There are two different passenger insurances, namely:
- The accidental occupant insurance
- The passenger indemnity insurance
Damage insurance for passengers
The passenger indemnity insurance compensates for damage suffered by the driver and/or passenger(s) of the vehicle involved in an accident.
This damage may include property damage (clothing, luggage, etc.), loss of earnings, household help, transport costs, medical costs, compensation and funeral costs. The maximum insured amount per event for all insured persons together is usually about 1 million euros.
With the passenger indemnity insurance, it does not matter who is at fault for the accident. If one of the passengers suffers a loss or damage as a result of an accident and it is not possible to recover the loss or damage from another insurance policy, the passengers can claim the loss or damage from the passenger indemnity insurance.
Injury insurance for passengers needed
A passenger indemnity insurance is not directly necessary, but it is worth considering.
The cover under the passenger indemnity insurance is subsidiary/complementary, i.e. only if damage is not compensated for by another insurance. A passenger insurance does not pay a fixed amount, but compensates the actual damage. In this case, it does not matter who is at fault for the accident.
If the driver is at fault for the accident, the passengers do still have the option of holding the vehicle's third-party insurance liable and recovering any damages from them. If the question of guilt is unclear, this can be a long process. By purchasing passenger indemnity insurance, you avoid this process.
The table below shows exactly what is covered under the different passenger insurance schemes.
Accident insurance |
Damage insurance for passengers |
| Pays the agreed amount once in the event of death and permanent disability. (fully or partially) | Pays for all actual material damage and personal injury incurred in the accident, provided that this damage is not compensated for on another insurance policy (subsidiary) and up to the insured amount. |
| Sum insured discussed and determined in advance. (In case of partial and permanent invalidity not the full sum insured but a percentage thereof after examination by the occupational physician and in accordance with the Gliedertaxe). | All actual damage (in the alternative) suffered by the occupants up to a maximum of EUR 1 million. |
| Psychological injury is not covered | In most cases, compensation for pain and suffering/psychic injury is included in the insurance. |
| Payment is not dependent on who can be held liable for the collision. The (insurer of the) party responsible for the accident can be held liable, and this insurer may not deduct the OI payment from the compensation. | Actual damages are paid and the insurer can recover the paid damages from the (insurer of the) liable party. |
| No correlation between the amount paid and the actual damage suffered. | Paid damages are the damages actually suffered and proven. |
In general, property-casualty insurance is slightly more expensive than accident-casualty insurance, but the coverage is then much more comprehensive.
Alpina
Do you have any questions about taking out insurance? We are happy to help! Please contact us. We are available from Monday to Friday from 08:00 to 18:00 on telephone number 088-6883700.
Made possible by klantenvertellen.nl
Based on 3699 reviews
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.