18-year-old self-pay liability insurance?
The moment you turn 18, you officially become an adult. This comes with a lot of changes and new responsibilities. For example, as an 18-year-old, you can vote, you have to get your own health insurance and you can drive a car without a companion. Often, 18 is also the age when many young people begin new studies and perhaps move into rooms.
Take out liability insurance? Calculate the premium right away!
It is important to take a look at your insurance policies when you turn 18. Before then, you are often still covered by your parents' insurance policies, but when you turn 18, this no longer applies to every insurance policy. Now you may be wondering: do I also need to get my own liability insurance when I turn 18? We explain it to you!
Not mandatory, but wise!
Purchasing liability insurance is not mandatory, but it is wise. Liability insurance insures you against damage you cause another person. Imagine you accidentally knock over an expensive vase belonging to her parents at a friend's party. Or that you injure a friend while playing sports, causing him personal injury. When damages occur, the costs can be substantial. As an 18-year-old, your financial buffer is often not yet so large that you can pay the high damage costs yourself. Have your parents already taken out liability insurance? Then as an 18-year-old you are covered. Do you no longer live at home, but for example in a room because of your studies? Even then you are still covered under your parents' liability insurance.
Take out liability insurance? Calculate the premium right away!
Living at home or independently
Do you still live at home with your parents? Then you are co-insured with most insurers until the age of 27. If you are moving into a room because of your studies, you are also co-insured. The coverage continues as long as you study. Are you done studying and no longer living at home? Then you have to take out your own liability insurance. Even if you are older than 27, you must take out your own liability insurance, even if you still live or study at home. You will no longer be covered by your parents' insurance. Different rules also apply if you get married. The maximum age until which you are co-insured may vary from one insurer to another. So always check the policy conditions of your insurance.
Are you going to study or do an internship abroad? Then it is important to find out in advance to what extent your liability insurance provides coverage. Read more about coverage abroad here.
Take out liability insurance through Alpina
Are you 18 years old and want to get liability insurance? For example, because your parents don't have one yet? Then take it out directly through Alpina! There are many different insurers offering liability insurance. Therefore it is best to compare them. Calculate immediately an indication of the monthly premium. When comparing, don't only look at the amount of the premium, but also at the coverage and policy conditions. That way you can be sure you are properly insured.
Do you still have questions about taking out liability insurance or want to consult? Our insurance specialists are waiting for you. You can reach us Monday through Friday at 088 - 6883700 or send us a message via chat, WhatsApp or Messenger.
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