Who are insured with family liability insurance?
With family liability insurance, not only you but also the members of your family are insured in the event of a claim.
liability insurance provides coverage against damage caused by your liability. It could be a television that you accidentally knock off the neighbor's cabinet. But you could also accidentally cause your neighbor to fall accidentally. If she breaks her hip in the fall, it could be a big claim financially.
The premium depends on the family composition. Family liability insurance has a higher premium than coverage for a single person. Rightly so, too, because a single person is less likely to cause a claim. The greatest risk is to an insurer with a family with children.
Should I purchase third-party insurance for my family?
Third-party insurance and liability insurance are often used interchangeably, but they are not the same thing. WA means Wettelijke Aansprakelijkheid and occurs with motor vehicle insurance. It is compulsory in the Netherlands for the holder of a vehicle registration certificate to take out third-party insurance. Liability insurance (AVP), provides coverage if you cause damage to someone else. Unlike WA insurance, liability insurance is not required by law. However, it is advisable to take out this insurance to protect your financial situation. By the way, the premiums are relatively low.
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Who are insured with family liability insurance?
Single coverage covers only the policyholder, lodgers, pets and household staff. Family liability insurance, in most cases, covers more people such as your spouse, or registered partner and small children. There is also coverage for lodgers, live-in (grandparents or parents-in-law) and children studying and living away.
Family coverage also includes damage to third parties caused by your lodgers. If your lodgers cause damage to your own belongings, this will not be compensated.
Until when are my children co-insured?
Most insurance policies have a maximum age until which you can co-insure your children. For example, they are co-insured until the age of 27. If they are not living away for study, they must take out their own liability insurance. Family coverage also includes damage to third parties caused by your guests. If your guests cause damage to your own belongings, this will not be compensated.
Are pets also covered under my liability insurance?
Pets fall within the family for many pet owners feel. For family liability insurance, the same is true. So if the dog undercuts a bicyclist, the insurance provides coverage. Click here for more information.
What about borrowed items?
For damage to rented items, liability insurance does not provide coverage. With borrowed items, the situation is often different. In the insurance policy, most insurers have included what is known as the supervision clause. For borrowed items, this clause still provides coverage. Insurers may, however, place limits on the amount they pay out. Keep in mind that the insurer will not pay out if the borrowed items break down during normal use. A lawnmower that stops mowing for no apparent reason is often not covered. This is also known as the lawnmower's own fault.
Changes in family composition
With family expansion, it is important to also take a critical look at liability insurance. The same goes for divorce, moving in together and when the children move out. Also compare immediately if it can't be cheaper.
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