You have taken out liability insurance so that you are properly insured for damages you cause by accident. But what about damage caused abroad? Are you also insured when you travel abroad? Or do you have to take out a separate insurance policy? We explain it to you.
If you are abroad with your car, motorcycle or scooter, it is also important to be covered for damages. Most third-party insurance policies also cover damages abroad. However, there are often additional conditions or exceptions. On the green card you receive when you purchase car insurance, you can find the countries in which the third-party coverage is valid. In addition, the amounts reimbursed may be different. Are you going on vacation with your vehicle? Always consult your insurance policies carefully.
Take out liability insurance? Calculate the premium right away!
Most liability insurance policies in the Netherlands automatically include foreign coverage. Therefore, it is not necessary to take out a separate insurance policy when you travel abroad. In most cases, you are insured in the same way as in the Netherlands. Damage caused abroad is in principle covered by your liability insurance. Most insurers will pay for damages within Europe and beyond, but the amounts may vary. There are also sometimes different conditions and exceptions abroad. There can be big differences between various insurers. It is therefore advisable to always check your policy prior to your departure for coverage abroad.
An accident is often in a small corner. Thus, even on vacation, you may find yourself in situations where you are held responsible for damage. Both damage caused to other people's belongings and damage to persons. Especially in the case of personal injury, the amounts can quickly add up. Liability insurance is therefore indispensable. Your children, partner and pets are also insured abroad, if you have taken out third-party insurance with family coverage.
In principle, liability insurance in the Netherlands usually does not cover damages on rented objects. But abroad, there are sometimes exceptions to this. If you accidentally cause damage to your vacation home, in most cases this is covered by liability insurance. Do you have doubts about your insurance? Always check your policy conditions before departure.
If you have chosen family coverage, your children living with you and those living away from home for study are often co-insured on your policy. However, will your child be studying abroad or doing an internship for an extended period of time? Then it is important to find out to what extent your liability insurance provides coverage.
There are many different liability insurance providers. Where you choose depends on several factors, such as the coverage you want, for example. But also pay close attention to the terms and conditions. These can differ considerably between insurers. Therefore, compare not only the amount of the premium, but also the policy conditions. This way you can choose a liability insurance that best suits your personal situation.
Put together your own package
We compare all insurers for you, saves time again
Can't figure it out? Our experts are always ready to help you
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.
