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Good reasons to have liability insurance

As soon as you move to the Netherlands, it’s a good idea to check your insurances. Like any other country, the Netherlands have their own legislation on liability. This also explains why hardly anyone in the UK has liability insurance, but almost everyone in the Netherlands does. Why? Read on and find out why it’s a good idea for you too.


Liability insurance explained

Being liable means you are held responsible for accidental damage you have caused to another person or his or her possessions. In the Netherlands, you can be required by law to cover the financial consequences. Liability insurance covers this statutory obligation to reimburse the costs in many cases for you and your co-insured parties. 

Damage covered

Liability insurance generally covers damage you’ve caused yourself, but only if this wasn’t deliberate. For example, if you drop your colleague’s phone. You are also generally insured for damage caused by your child or pet, for instance, if your daughter is playing football in the street and breaks a shop window.

Good reasons to have liability insurance

Liability insurance is not compulsory for private individuals, but it is a good idea. The costs of a claim can be huge, especially if a person has been injured. This would normally leave you with a debt, but liability insurance prevents that and also protects the victim.

What you need to bear in mind with liability insurance

Make sure the insured amount is not too low. In cases of serious injury in particular, you could be held legally liable for very large amounts, so it’s a good idea to get cover for a least €1.25 million. You should also opt for a low excess, or none at all. This often only costs a little extra.

Read more about ABN AMRO student insurance. This is also where you will find the terms and conditions and information on what exactly you are and are not insured for. Be sure to check out our other insurance policies too, because if you take out 3 or more policies, you will qualify for a 5% package discount

The information on this page is a brief explanation. You can not derive any rights from this.


Your arrival guide

Just like any country, the Netherlands has its own rules and customs, we would like to give you a few tips so that you can quickly find your feet and get the most out of your period of study.


Studying and working in the Netherlands

Once you have decided, you probably can’t wait to start your study in the Netherlands. You will be busy finding a place to live, and maybe, you also want to find a job. Check on what arrangements you will need to make when planning to study and work in the Netherlands.