What 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.
Cost of liability insurance
Liability insurance for private individuals (avp) insures you for damage you cause to others. Damage caused, for example, by the antique vase you knock over at your neighbor's house or personal injury. The costs of personal injury, for example, can add up quickly. If you are not insured for this, there can be serious consequences. The cost of liability insurance does not outweigh this expense.
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 naturally 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 cost, please refer to our calculation module on our website.
Cost of liability insurance; here's how it's 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 anything in the above, the insurance premium will change. It may be higher, or it may be 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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