What do you look for when purchasing liability insurance?
Private liability insurance (AVP) is an indispensable insurance policy. After all, through your fault, you can cause hundreds of thousands of dollars worth of damage to others. The person causing the damage bears the financial burden. You had better be insured against it. What should you pay attention to when taking out liability insurance?
Car owners are required to carry third-party liability (TPL) insurance. Without a car, you can also cause considerable damage to others. For example, you accidentally collide with a woman rolling down the escalator at the mall. She also lands unhappily at the bottom of the stairs. With serious injuries, you could face a priceless claim. Without liability insurance, you are on your own for the cost. That is probably an impossible task financially.
Pay close attention to whom liability insurance provides coverage for
You can purchase liability insurance for the family. But, for example, for singles without children, the premium is lower. This is because there is a smaller chance of damage. Match the insurance to the family composition. As soon as the children leave home, you can change the insurance back to liability insurance for a family without children. As long as the children live away from home for study, they often remain co-insured on the parents' policy.
Take out liability insurance? Calculate the premium right away!
Choose insurance without a deductible
When comparing, pay attention mainly to the amount of the premium, but also pay close attention to the amount of the deductible. Especially for a small damage, it makes a big difference whether the deductible is €0 or €100. With €100 deductible, you cannot file many claims, namely if the repair costs of a damaged object of another person are lower than €100, the insurer will not pay anything.
Can your liability insurance be cheaper?
It is comparatively inexpensive insurance. Therefore, many consumers do not feel the need to occasionally compare their own insurance with other insurers' offerings. This is a missed opportunity. The premium differences do not run into the tens of euros per year, but realize that it is an annual savings. Even with a savings of, say, €5, you will easily keep money in your own pocket.
Combine liability insurance with other policies
Retrieved from Alpina.nl you can compare liability insurance, but you can also immediately include other insurance in the calculation. By combining them with, for example, home and contents insurance, you can get a nice package discount. Insuring with one insurer on one policy also offers convenience. In case of damage, you can settle everything with the same insurer.
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