Are children co-insured on their parents' liability insurance?
Children are rambunctious from time to time and so it can happen that something precious is unintentionally destroyed. Liability insurance prevents you from incurring unnecessary expenses. When you purchase liability insurance with family coverage, in most cases the children are also covered.
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What is third-party insurance?
Third-party insurance and liability insurance are often used interchangeably, but they are not the same thing. TPL means Third Party Liability and is found in motor vehicle insurance, which is mandatory if you own a vehicle. Liability insurance (AVP), provides coverage if you cause damage to someone else. Unlike third-party insurance, liability insurance is not required by law. However, it is recommended that you purchase this insurance to protect your financial situation.
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Children's liability insurance coverage
Liability insurance covers almost all damages caused to third parties, the policyholder and family members who are co-insured. That includes children and even your pets. For example, your child accidentally knocks over Grandma's expensive vase and it is in 1001 pieces. Or your child accidentally kicks a ball through the neighbor's window during a game of soccer. In either case, you are insured for this damage through liability insurance when you have family coverage.
Liability insurance covers not only damage to belongings, but also to people. For example, your child may accidentally injure a fellow player's broken arm while playing sports.
When no children's liability insurance coverage?
There are situations where damages caused by children are not covered:
- When intent is involved, liability insurance does not provide coverage. For damages caused, for example, by vandalism, arson or joyriding, the parents are liable. When the children are under 14, the parents are liable and liability insurance usually pays out.
- Liability insurance also does not pay out for damage to the property of father, mother or other persons on the same policy.
- Damage caused by a car or other motor vehicle. For that, you have third-party insurance for your car.
Parents liable up to 14 years of age
Children up to the age of 14 are not held responsible, even if it is clear that they are at fault for the damage. The reason for this is that it is assumed that children up to age 14 cannot yet properly oversee the consequences of their actions. From the age of 14, this liability decreases and the child becomes more responsible. Your child will still be covered under your policy, but intentional damages are less easily reimbursed.
Until what age are my children co-insured?
As a parent, do you have liability insurance with family coverage? In most cases, your children are then co-insured until the age of 27. Your children must be living at home or studying away from home. If your child marries, your child must take out his or her own liability insurance.
Also read:
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