{"id":7957,"date":"2020-08-15T09:19:57","date_gmt":"2020-08-15T08:19:57","guid":{"rendered":"https:\/\/www.lemonade.com\/nl\/blog\/?p=7957"},"modified":"2025-06-10T14:10:29","modified_gmt":"2025-06-10T13:10:29","slug":"liability-insurance-netherlands","status":"publish","type":"post","link":"https:\/\/www.lemonade.com\/nl\/blog\/liability-insurance-netherlands\/","title":{"rendered":"Liability insurances simply explained"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Some people panic just hearing the words &#8220;liability insurance\u201d. In Dutch, the long phrase itself \u2014 <\/span><i><span style=\"font-weight: 400;\">Aansprakelijkheidsverzekering<\/span><\/i><span style=\"font-weight: 400;\"> \u2014 is enough to make anyone break out in a cold sweat.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, there\u2019s no need to stress. This article will answer all of your questions, and soon you\u2019ll be a pro when it comes to liability insurance in the Netherlands.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7772\" src=\"https:\/\/www.lemonade.com\/nl\/blog\/wp-content\/uploads\/2020\/05\/Liability.png\" alt=\"Broken Vase Liability\" width=\"570\" height=\"300\" srcset=\"https:\/\/www.lemonade.com\/nl\/blog\/wp-content\/uploads\/2020\/05\/Liability.png 1140w, https:\/\/www.lemonade.com\/nl\/blog\/wp-content\/uploads\/2020\/05\/Liability-300x158.png 300w, https:\/\/www.lemonade.com\/nl\/blog\/wp-content\/uploads\/2020\/05\/Liability-1024x539.png 1024w, https:\/\/www.lemonade.com\/nl\/blog\/wp-content\/uploads\/2020\/05\/Liability-768x404.png 768w\" sizes=\"(max-width: 570px) 100vw, 570px\" \/><\/p>\n<p><b>Here&#8217;s a brief overview:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"#what-is-liability-insurance\"><span style=\"font-weight: 400;\">What is liability insurance, and is it mandatory?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#what-is-covered-by-liability-insurance\"><span style=\"font-weight: 400;\">What is covered by liability insurance?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#how-high-should-the-coverage-be\"><span style=\"font-weight: 400;\">How high should my coverage be?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#what-is-not-covered\"><span style=\"font-weight: 400;\">What is not covered?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#who-is-considered-co-insured\"><span style=\"font-weight: 400;\">Partner, children and housemates\u2014who is considered co-insured?&nbsp;<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#is-damage-caused-by-pets-covered\"><span style=\"font-weight: 400;\">Is damage caused by pets covered?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#cancelling-liability-insurance\"><span style=\"font-weight: 400;\">Cancelling liability insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"#Lemonade-a-policy-for-the-21st-century\"><span style=\"font-weight: 400;\">A policy for the 21st century: digital and transparent<\/span><\/a><\/li>\n<\/ul>\n<h3><b><a id=\"what-is-liability-insurance\"><\/a>What is liability insurance, and is it mandatory?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Unfortunately, sometimes bad things happen, and people make mistakes. In those cases, it&#8217;s nice to be insured. This way you can avoid incurring unexpected expenses if you\u2019re liable for damage and have to pay compensation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Private liability insurance (AVP) covers damage accidentally caused to others. This applies to both material damage and personal injury. In contrast to a third-party insurance for your car or motorcycle, liability insurance for private individuals is not compulsory\u2026 but that doesn\u2019t mean it isn\u2019t a good idea to have it!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are a number of common situations for which liability insurance provides coverage:<\/span><\/p>\n<p><b>Injury<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You accidentally ride your bike into someone, causing them to break their arm.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your dog gets scared and bites a passerby in the street.<\/span><\/li>\n<\/ul>\n<p><b>Material damage<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">While playing soccer, your son misses the goal and accidentally &#8220;scores&#8221; through your neighbor&#8217;s window.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You spilled red wine on your mother-in-law&#8217;s couch.<\/span><\/li>\n<\/ul>\n<h3><b><a id=\"what-is-covered-by-liability-insurance\"><\/a>What is covered by liability insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">What is and what is not insured may differ from insurer to insurer. Make sure you know what is important to you so that you get a policy that suits your personal situation. Normally, personal liability insurance provides cover for material damage or personal injury that you cause by accident.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If someone holds you liable for damage, your insurance company will check whether this is justified or not. If not, your insurer will defend you\u2014if necessary, even in court. If you are responsible, your insurer will pay the costs. Most insurance companies also cover damage caused by pets. The amount paid out depends on the situation and on the deductible if applicable.&nbsp;<\/span><\/p>\n<h3><b><a id=\"how-high-should-the-coverage-be\"><\/a>How high should my coverage be?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Often you can choose your own insured amount. Usually this amount is between \u20ac1.25 and \u20ac2.5 million. So for example, if someone breaks his arm and you are liable, the medical costs will be insured up to the amount you have chosen. If you have coverage up to \u20ac1.25 million and the damage is higher than that amount, the rest will have to come from your own pocket.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So how do you determine the correct amount of liability coverage? Unfortunately, there is no perfect answer to this question and you will have to make your own decision based on how much risk you think you might face.<\/span><\/p>\n<p><b>Tip<\/b><span style=\"font-weight: 400;\">: The <\/span><a href=\"https:\/\/www.consumentenbond.nl\/aansprakelijkheidsverzekering\/aansprakelijkheidsverzekering-afsluiten\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Consumers&#8217; Association<\/span><\/a><span style=\"font-weight: 400;\"> advises you to insure yourself for a minimum amount of \u20ac1.25 million with a deductible of \u20ac0. The amount of the excess determines how much you yourself will pay in the event of damage. Liability insurance usually only costs a few euros, but if you want to reduce the cost of your premium, you can always opt for a higher deductible.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-8334 size-full\" src=\"https:\/\/www.lemonade.com\/nl\/blog\/wp-content\/uploads\/2020\/08\/Liability-Coverage-Amounts-NL-1.gif\" alt=\"\" width=\"1450\" height=\"846\"><\/p>\n<h3><b><a id=\"what-is-not-covered\"><\/a>What&#8217;s not covered?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In most situations, the following items are not covered by your private liability insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage that you have caused intentionally will never be compensated by liability insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rented items are not covered by your liability insurance. Think for example of rented furniture for a party or tools you rent for a renovation.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Things you borrow or willingly hand over to someone else, are not covered. So if you handed something you own to someone else, it\u2019s under their responsibility and won\u2019t be covered.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage that is normally covered by another type of insurance (such as car, yacht, or professional liability insurance).&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage you cause to persons covered by the same policy. If you and your partner fall under the same liability policy and you accidentally break your husband&#8217;s smart TV, this is not covered.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Situations involving fraud are not covered.<\/span><\/li>\n<\/ul>\n<h3><b><a id=\"who-is-considered-co-insured\"><\/a>Partner, children and roommates &#8211; who are co-insured?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Most insurers offer different policies for single people and families. Below you can clearly see who is normally co-insured on your liability insurance:&nbsp;<\/span><\/p>\n<p><b>Single individuals<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The insurer himself\/herself<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Guests (if your guest causes damage to third parties)<\/span><\/li>\n<\/ul>\n<p><b>Family policy&nbsp;<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The insurer himself\/herself<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The partner of the insured<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Co-habitating parents-in-law or other family members&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Minor children<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">(Unmarried) adult children if they live at home with the insured person or if they are away from home for study (usually up to the age of 27)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Unfortunately, roommates are excluded from the policy and will have to get their own liability insurance.&nbsp;<\/span><\/p>\n<h3><b><a id=\"is-damage-caused-by-pets-covered\"><\/a>Is damage caused by pets covered?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Usually we\u2019re sure your cute Golden Retriever or your beautiful Maine Coon won&#8217;t hurt a fly. But an accident could happen at any moment, whether that means your pet biting a neighbor or shredding their curtains. Fortunately, damage to others caused by your pet is covered by your liability insurance.&nbsp;<\/span><\/p>\n<h3><b><a id=\"cancelling-liability-insurance\"><\/a>Cancelling liability insurance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Nowadays, there are more and more liability insurances that can be cancelled at any point, but there are still many policies that require an annual contract. At Lemonade you can cancel your liability insurance free of charge, whenever you want. It\u2019s also very easy to cancel using our app. After you have discontinued your policy, we will refund the unused part of your premium to your account. If you decide to come back, we will simply get a new policy for you. Please note that you may receive a new premium when you sign up again, as our prices change from time to time.<\/span><\/p>\n<h3><b><a id=\"Lemonade-a-policy-for-the-21st-century\"><\/a>A policy for the 21st century &#8211; digital and transparent<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With Lemonade\u2019s <\/span><a href=\"https:\/\/www.lemonade.com\/nl\/en\/policy-two\"><span style=\"font-weight: 400;\">Policy 2.0<\/span><\/a><span style=\"font-weight: 400;\"> you are covered by an insurance designed for the 21st century, transparent and easy to understand. With the Lemonade app, you can apply for a policy in seconds and adjust it \u2014 whenever you want \u2014 to your needs.&nbsp;<\/span><\/p>\n<p><a href=\"https:\/\/www.lemonade.com\/nl\/en\/claims\"><span style=\"font-weight: 400;\">Submitting a claim<\/span><\/a><span style=\"font-weight: 400;\"> is just as easy. Just the app and click on &#8220;Submit Claim.&#8221; AI Jim, our chatbot, will then ask you a few questions, and your claim will be processed ASAP. With a Lemonade policy you also make a positive <\/span><span style=\"font-weight: 400;\">social impact<\/span><span style=\"font-weight: 400;\">: unclaimed premiums will be donated to a charity of your choice through the <\/span><a href=\"https:\/\/www.lemonade.com\/nl\/en\/giveback\"><span style=\"font-weight: 400;\">Giveback<\/span><\/a><span style=\"font-weight: 400;\"> program.<\/span><\/p>\n<p><b>With Lemonade liability insurance you are insured for the following:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Property damage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Injury to others<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage to rental properties due to fire and water<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage caused by pets<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">E-bikes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Boats and vessels<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Damage while traveling<\/span><\/li>\n<\/ul>\n<p><b>Properties<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Your liability insurance covers any damage you accidentally cause to someone else&#8217;s property.<\/span><\/p>\n<p><b>Injury to others<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s say someone slipped during your housewarming party and got hurt. If he holds you responsible, we&#8217;ll help you out of this predicament. We will check if this claim is justified and we will defend you\u2014if it comes to that, also in court. If you do turn out to be liable, we will pay the costs for you.<\/span><\/p>\n<p><b>Damage to rental property due to fire and water<\/b><\/p>\n<p><span style=\"font-weight: 400;\">We provide coverage for any damage you accidentally cause to a property or hotel room you rent (including the rented furniture), if the accident is caused by fire or water.<\/span><\/p>\n<p><b>Damage caused by pets<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Damage caused by your own pets to others is covered by your liability insurance. Please note that we do not cover damage caused by horses, cattle, or wild animals that you own or that are under your permanent care.<\/span><\/p>\n<p><b>E-bikes<\/b><\/p>\n<p><span style=\"font-weight: 400;\">More and more Dutch people are switching to an e-bike instead of a normal city bike. They\u2019re very convenient (no more sweaty armpits!), but are you insured for damage that you could possibly cause with your e-bike? With Lemonade you have cover for damage you cause with your (electric) bike. But keep in mind that motorized vehicles with mandatory insurance requirements (e.g. mopeds, e-bikes with a maximum speed of more than 25 km\/h, e-scooters and segways) are <\/span><i><span style=\"font-weight: 400;\">not<\/span><\/i><span style=\"font-weight: 400;\"> covered.<\/span><\/p>\n<p><b>Boats and vessels<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Lemonade offers coverage for damage you cause with small boats or vessels. Please note: coverage does not apply to boats with a sail area of more than 16 square meters, or with engines of more than 4 HP.<\/span><\/p>\n<p><b>Damage on voyage<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The Lemonade liability insurance protects you worldwide (as long as your trip lasts less than 3 months). So if you&#8217;re on holiday in Venice and accidentally knock over all the snowglobes in a souvenir shop, you&#8217;re covered.<\/span><\/p>\n<p><b>Tip<\/b><span style=\"font-weight: 400;\">: You can adjust the insured amount to your individual needs. You can remove the <a href=\"https:\/\/www.lemonade.com\/nl\/blog\/contents-insurance-netherlands\/\">contents insurance<\/a> from your quote by resetting the coverage to zero, or increase it by clicking on the plus button.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">What are you still waiting for? Get Lemonade insurance in a few seconds!<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Liability insurance is one of the most important insurances in the Netherlands. But do you actually need it? And what should you pay attention to?<\/p>\n","protected":false},"author":20,"featured_media":7446,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[47],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Liability Insurance Netherlands in Plain English - Lemonade<\/title>\n<meta name=\"description\" content=\"Liability insurance is one of the most important insurances in the Netherlands. But do you actually need it? 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