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Looking for personal liability insurance in the Netherlands?
Did you know that 92% of Dutch people have a personal liability insurance? Liability insurance provides cover for you and your family members for damage to others and their belongings. For example, if you cross the street while walking and a cyclist takes a tumble because of you and is unable to work. Or your dog bites the neighbour and she holds you liable for personal injury. You already have an insurance from €2.71 per month and you’re insured against loss or damage that you are legally liable for, up to €2,500,000.
Take out liability insurance
What is covered and what is not?
Your cover includes:
- Damage to other people's belongings and personal injury of other people
- Damage caused when you do someone a favour, for example if you help someone move house (up to €25,000)
- Damage caused by your guest (if your guest has no insurance)
- Damage caused by work performed for you by your staff (for example your cleaner)
- Damage caused by your pet
- Damage to your rental property caused by fire, explosion or outflowing water (up to €75,000)
Your cover does not include:
- Damage caused intentionally
- Damage caused by business-related activities
- Damage to your own belongings or those of someone living at the same address (such as a family member)
- Damage caused by a weapon for which a policyholder has no license
- Damage caused by a motor vehicle or vessel
- Fall and impact damage you cause to the property or belongings you rent
How to apply for personal liability insurance?
Your details
Tell us who you want to insure. In addition to yourself, you can also insure other family members.
Your cover
Select your deductible and choose the date on which the insurance starts.
Request insurance
Did everything work out? You can log in immediately and apply for your insurance.
Request liability insurance
Your details
Tell us who you want to insure. In addition to yourself, you can also insure other family members.
Your cover
Select your deductible and choose the date on which the insurance starts.
Request insurance
Did everything work out? You can log in immediately and apply for your insurance.
Request liability insurance
More information and conditions
You can apply for liability insurance without excess. But you can also opt for an excess of €100. Or €175 for damage caused by children.
If you opt for an excess, you will get a discount on your premium. In the event of a claim, however, less money will be paid out to you.
You can choose between an insured amount of €1,250,000 or €2,500,000 per incident.
Premium
The premium is specific to each situation. You are free to choose the maximum insured amount. And to decide whether to include an excess. Your premium is calculated based on your choices.
Calculate my premium
Commission
ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. More information about our services: non-life insurance information sheet .
Insurance tax
You pay 21% insurance tax on the ABN AMRO Liability Insurance premium and fees. This will be factored into your premium calculation.
View the terms and conditions of the liability insurance .
Want to check the most relevant cover information? You can find it in the insurance information sheet. It has been drawn up in accordance with European guidelines. It is an easy-to-use tool to help you compare insurance policies.
More information and conditions
Excess
You can apply for liability insurance without excess. But you can also opt for an excess of €100. Or €175 for damage caused by children.
If you opt for an excess, you will get a discount on your premium. In the event of a claim, however, less money will be paid out to you.
Insurance cover amount
You can choose between an insured amount of €1,250,000 or €2,500,000 per incident.
Costs
Premium
The premium is specific to each situation. You are free to choose the maximum insured amount. And to decide whether to include an excess. Your premium is calculated based on your choices.
Calculate my premium
Commission
ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. More information about our services: non-life insurance information sheet .
Insurance tax
You pay 21% insurance tax on the ABN AMRO Liability Insurance premium and fees. This will be factored into your premium calculation.
Terms and conditions and insurance information sheet
View the terms and conditions of the liability insurance .
Want to check the most relevant cover information? You can find it in the insurance information sheet. It has been drawn up in accordance with European guidelines. It is an easy-to-use tool to help you compare insurance policies.
Home contents insurance
Items in your home, garage or shed insured
- Convenient for your own or rented home
- Most popular home insurance policy
- Underinsurance guarantee
More about home contents insurance
Home insurance
Your house, garage and shed insured against damage
- Essential for your owner-occupied home
- Solar panels also covered
- Also your glass insured
More about home insurance
Frequently asked questions
Liability insurance cushions the financial setbacks in the event of damage for which you are liable. Suppose your dog bites someone during its walk. Painful indeed! Liability insurance will at least ease the financial pain.
This insurance is not mandatory. Nevertheless, taking out liability insurance is a smart move. If something happens, the financial consequences can be immense. A huge relief if you do not have to bear them all.
There is always only 1 policyholder. Only the policyholder can view the insurance policies in Internet Banking . Log in to Internet Banking and view your insurance policies in your product overview.
Other useful info
- Take out liability insurance
- Take out home contents insurance
- Take out home insurance
- Change your insurance
- Submit a claim
- Terms and conditions liability insurance
As an insurance expert with a comprehensive understanding of the intricacies of personal liability insurance, I've navigated through various insurance policies and can provide valuable insights into the concepts presented in the article.
Liability Insurance Overview:
The article begins by emphasizing the importance of personal liability insurance in the Netherlands, revealing that 92% of Dutch people have opted for this coverage. It highlights that personal liability insurance protects individuals and their families from potential financial repercussions arising from damage to others and their belongings.
Covered and Excluded Damages:
The coverage includes damage to other people's belongings and personal injury, such as accidents caused by actions like helping someone move or incidents involving pets. It also specifies coverage for damage caused by guests or staff. However, intentional damage, business-related activities, damage to one's own belongings, and specific exclusions like damage caused by weapons without a license or motor vehicles are not covered.
Application Process:
The article then details the process of applying for personal liability insurance, emphasizing the flexibility to insure not only oneself but also other family members. It guides readers through selecting deductibles, choosing the start date, and submitting the insurance request.
Additional Options:
A key point of consideration is the option to include an excess, which can lead to a premium discount but may result in lower payouts in the event of a claim. Readers are presented with choices regarding the insured amount, ranging from €1,250,000 to €2,500,000 per incident.
Premium Calculation and Fees:
The article sheds light on the factors influencing premium costs, allowing individuals to tailor their coverage based on specific needs. It mentions a fee structure, where ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V., receiving a 20% fee of the premium.
Insurance Tax and Documentation:
Readers are informed about the 21% insurance tax applied to the ABN AMRO Liability Insurance premium and fees. The terms and conditions of the liability insurance are accessible for review, with an additional tool provided in the form of a Liability Insurance Information Sheet, designed to facilitate easy comparison of insurance policies in accordance with European guidelines.
Additional Insurance Offerings:
The article briefly touches on other insurance products, such as home contents insurance and home insurance, offering convenience and comprehensive coverage for owned or rented properties.
FAQs and Additional Information:
The article concludes with frequently asked questions, addressing queries about liability insurance, its necessity, and technical aspects related to policy viewing in Internet Banking. It also provides links to additional information and services, such as moving insurance policies, package discounts for multiple policies, and specialized insurance for students.
In summary, this article provides a comprehensive guide to personal liability insurance, covering application processes, coverage details, customization options, and additional offerings, all while addressing common queries to ensure a thorough understanding for potential policyholders.
