How much does liability insurance cost?
Liability insurance is not mandatory but it is wise to purchase. The cost of liability insurance depends on a number of factors. For example, family composition, any deductible and the maximum amount you are insured for per occurrence are factors that determine how high the premium is.
Liability insurance costs
With a private liability insurance (avp) you are insured for damage you cause to others. For example, damage caused by the antique vase that you knocked over at your neighbour's house, or physical injury. The costs of personal injury, for example, can quickly mount up. If you are not insured for this, it can have serious consequences. The costs of a liability insurance do not outweigh these costs.
What does liability insurance cost on average?
This question is not so easy to answer, as the cost of liability insurance depends on several factors. For example, a single person without children will be cheaper than a family with children. The insurer, of course, looks at the risk of damage. Children are a risk factor here, as they are often rambunctious and unpredictable. Average costs for liability insurance are between €6 and €8* euros per month. A single person without children spends an average of €3 to €5* per month.
*This is an indication. To calculate the exact costs, please refer to our calculation module on our website.
Liability insurance costs; how they are structured
There are a number of factors that determine premiums for liability insurance. These include the factors the insurer considers when calculating the premium:
- amount of the deductible (the higher the deductible, the more "discount" you get on the premium)
- family composition (the premium for a single person is lower than for a family, because less risk is run by the insurer)
- amount of the sum insured (often you have a choice between two different insured amounts)
If you want to change any of the above, the insurance premium will change. This can be higher, but also lower.
Package discount
At Alpina, we work with multiple providers when it comes to liability insurance. So you can also compare different providers with us. Most insurers offer you a discount if you also take out other insurance with them. For example, household, homeand legal expenses insurance. This is called package discount. This could also influence your choice.
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