How do I compare liability insurance?
Almost all insurers in the Netherlands also offer liability insurance . So you have a lot of choice in this, but what should you pay attention to when comparing the different and many providers? Is looking at the amount of the premium enough? Below we give you some tools to compare liability insurance so you can make a good choice.
What exactly is liability insurance?
Liability insurance pays for damage to someone else or someone else's belongings caused by you. If you are legally liable for this damage, the damage is usually covered on liability insurance.
In the Netherlands, this insurance is not required by law. However, it is certainly advisable to take out liability insurance for yourself/your family, which is compulsory for cars. You can take out car insurance simply via our website.
What data is needed for comparison?
Liability insurance premiums are not the same for everyone by default. For example, it makes a difference whether you are single or have a family. Also the maximum insured amount per event and any excess are premium determinants. Some insurers allow you to choose/decide the above yourself.
Some insurers have included even more premium determining factors in their premium calculation.
This means that you need the above information as a minimum to compare liability insurance policies from different insurers.
What should I look for when comparing different liability insurance policies?
The most important thing about insurance is always the question 'what does this insurance cover?' And 'what does the insurance not cover? What things are excluded from the coverage?' This will prevent you from comparing apples to oranges.
For example, if the amount insured and the amount of the deductible do not match at two different insurers, you cannot compare based only on premium.
Most insurers offer you a discount if you also take out other insurance with them. For example, contents, building and legal expenses insurance. This is called package discount. This could also influence your choice.
Can I get liability insurance through Alpina?
We cooperate with several providers when it comes to liability insurance. So with us you can also compare different providers. You can do this online, but also through telephone contact with our staff. Whatever you prefer! We are happy to help you.
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