Damage can arise in many ways. For example, because you accidentally damage someone else’s belongings. Or if someone gets hurt because of your fault. You are often liable and do not be alarmed: a claim for damages can be high. Liability insurance for private individuals (AVP) covers the financial consequences of this. On average in the Netherlands you would pay around 35 and 60 euro per year.
An AVP is not mandatory in the Netherlands, but it is highly recommended. If you do something that causes damage, you can be held liable for the damage. This means that you pay for material damage (to things), but also for personal injury (to people’s health). Certainly that personal injury can be quite expensive. Then it is nice if you are insured, if you would have an accident that could have been your fault.
Which Liability Insurance do I need in the Netherlands?
There are roughly two types of AVP: single or family cover. The names say it all: if you are single, you can suffice with (cheaper) coverage. If you have taken out family cover, your spouse or registered partner and your minor children are also insured. This also applies if your children do not live at home. Even resident in-laws and (grand)parents are seen as part of the family under the AVP. And both for singles and for the family policy, guests, staff and pets are co-insured.
A couple things you should keep in mind. The AVP (liability insurance) does not cover the liability risk associated with motor vehicles. You must take out (legally required) separate insurance for this. Damage that you cause intentionally will never be reimbursed. Having or not having animals) and/or (holiday) homes influences the amount of the premium. With family cover, the size of the family does not affect the premium.With some insurers you can opt for a (voluntary) deductible, so that you pay less premium.