Does liability insurance provide coverage for the entire family?
With liability insurance , not only are you yourself, but other members of your family are also insured in the event of a claim. Especially with children, it can be nice to be properly insured in case of damage. Children are boisterous and accidents can happen at any time. With liability insurance your whole family is insured in case of damage.
The amount of the premium depends in part on the family composition. For example, a single person without children pays less for their liability insurance than a family with children. This is because for an insurer it is more likely than they have to pay out compensation. But who are all covered by liability insurance?
Who is covered within a household?
No one expects to need liability insurance. Yet there are countless examples of minor accidents in which liability insurance would come in handy for your family. For example, if you spill a glass of red wine all over a friend's carpet. Or if your child crashes his bicycle into the neighbor's parked car. Or even if your dog jumps a little too enthusiastically on your parents' couch.
If you purchase liability insurance with family coverage for your family, you are not only insured yourself, but also:
Up to what age are children co-insured?
Many insurance policies have a maximum age at which children are co-insured. Often this is up to age 27. If your children are living away from home for study, they are still co-insured. Are they no longer living at home, but not because of a study? Then they must take out their own liability insurance. The family coverage also includes damage to third parties caused by any lodgers. Unfortunately, if your lodgers cause damage to your own belongings, this will not be reimbursed.
Children under 14 are not held responsible for the damage they cause. Even if it is clear that they are at fault for the damage. This is because it is assumed that children up to 14 are not yet old enough to oversee the consequences of their actions. From the age of 14, your child is still covered under the policy, but intentional damages are less easily reimbursed. Your child is then expected to be old enough to take more responsibility.
Take out liability insurance? Calculate the premium right away!
Take out liabilityliability insurance through Alpina!
At Alpina.nl , you can easily purchase liability insurance for your family. You do this by first filling in some details in our online comparison tool. Then you determine the amount of the deductible and the insured amount. Next, you will be shown a number of insurance policies tailored to your needs with the corresponding premiums and policy conditions. Have you found a liability insurance with good family coverage? Then you can take it out right away.
Are you having trouble or do you still have questions? You can reach us Monday through Friday between 08:00 and 18:00 at telephone number 088-6883700. We will be happy to help you! Also see here the frequently asked questions about liability insurance.
Also read:
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.