What do you need to know about liability insurance?
Liability insurance covers damage for which you are legally liable. For example, because you have damaged something belonging to someone else. Or because someone suffers personal injury because of you. Find out how liability insurance works.
Why is liability insurance useful?
Liability insurance is not compulsory by law. If you cause damage to someone else, you might be held legally liable for it. The cost of the damage will then be recovered from you. With liability insurance, you are covered for these costs when this happens.
What should I do in the event of damage or theft?
To make a claim under your liability insurance, you must be held liable for the damage by someone else. Has anyone done so? Notify ABN AMRO Insurance as soon as possible. They will then establish exactly what happened together with you, whether the damage is covered and the extent of the damage.
No intentional or deliberate risk
An important condition of liability insurance is that you do not intentionally cause damage or deliberately take a risk. Intent applies, for example, if you use force and thereby cause injury to someone. An example of deliberate risk-taking is playing football with glasses on. If your glasses are damaged by getting hit with a ball while playing football, this damage is not covered.
Frequently asked questions
What damage is covered?
In very general terms, liability insurance covers all damages for which you are legally liable. This could be minor damage such as a child scratching a parked car or your young dog unexpectedly destroying some bushes at a neighbour's house. But it also includes personal injury that leaves someone incapacitated for work.
ABN AMRO Insurance's claims handlers determine whether the claim is covered for each situation. Are you held liable by someone for a claim? If so, report this to us as soon as possible.
What if my child or pet causes damage?
Does your child or dog knock over the television when you are visiting someone? Children and pets living at home are also covered by liability insurance. The same applies to out-of-home children who are studying full-time or children in a care or nursing home. Damage they cause is therefore also covered.
However, it is important to indicate when taking out the insurance that you have children. Does your family situation change during the policy term? Please remember to notify us of this.
Are my own belongings also covered by liability insurance?
No, liability insurance only covers damage you cause to others or their belongings. Have you accidentally damaged your own belongings yourself? If so, this is not covered. This also applies to the belongings of everyone who is co-insured, including your partner and children. However, you can take out a all-risk home contents insurance. Have you suffered damage to yourself or your property by someone else? Then you should recover this from the other person.