What is the difference between third-party and household insurance?
Third-party insurance and household insurance are sometimes mixed up, but these are two different insurances. Often, these insurances are taken out together. Here, we explain exactly what is covered by household contents insurance and in which situations it is wise to have liability insurance.
Third-party insurance or liability insurance?
When people talk about third-party insurance, they generally mean liability insurance for individuals. TPL insurance is compulsory insurance for cars or motor vehicles. Without third-party insurance, you are not allowed on the road. With liability insurance for individuals, you are insured for damages you cause to others. Although it is not mandatory, it is wise to take it out anyway. For a small amount per month you already have ample coverage.
What is covered by my liability insurance?
You may unintentionally cause damage to another person's belongings or to that person himself. For example, you drop a glass of wine on the neighbor's snow-white carpet. Your five-year-old son accidentally knocks over an expensive vase at your aunt's house. Or you slip and collide with someone, who falls to the ground and breaks her hip as a result. In these situations, you can be held liable for damages. Liability insurance provides coverage for these damages.
Taking out household contents insurance? Calculate your premium!
What does my home contents insurance cover?
Contents insurance is an insurance policy that pays for damage to your own belongings in your home such as your furniture, clothes and home accessories. Basically all the stuff that is not attached to your house. With home contents insurance your belongings are insured for water damage or damage caused by fire. But also damage caused by burglary or theft are covered by your contents insurance. The coverage amount of the contents is determined based on the value of the contents. The premium of contents insurance depends on the insured amount.
Difference between third-party insurance and household insurance
What exactly is the difference between third-party liability insurance and contents insurance? Contents insurance covers damage to your own belongings. Third-party liability insurance covers damage caused by you or your family members to others.
Can I take out third-party and household insurance together?
When you compare home contents insurance through Alpina, you can also take out liability insurance in the process. You can take out liability insurance on its own or as part of a so-called home insurance package. In a home insurance package, you can add all kinds of coverages that apply to you. You can think about home insurance, building insurance, travel insurance, and so on.
You often get a discount when you take out multiple insurance policies (also called sections) in a (home) package. The more insurances you take out, the more discount you get. This is called package discount. This can give you a nice savings. Also, in case of damage, it is easier when the insurances go through the same insurer. This also makes it a lot clearer for yourself.
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