Personal liability insurance for expats

Personal liability insurance protects you if you accidentally injure someone or damage their property in your private life. It covers both bodily injury and property damage — usually up to €1–2.5 million per incident.

No. It’s not legally required, but most Dutch households have it because the financial risk of an accident can be very high (92% of people in the Netherlands have it).

It depends on your plan. A single policy covers just you. A family policy includes your partner, children (including students living away), pets, and sometimes live-in parents or an au pair.

You’re covered for accidental injury or damage to someone else’s property in everyday life - including damage caused by your children, pets, or domestic help. Many policies also include “friend service” and “sport and game” cover.

Most policies don’t cover intentional damage, motor vehicles, paid work, or damage to your own items. Borrowed or rented items are often excluded unless your insurer offers a specific clause for them.

Yes. Most Dutch AVP policies include worldwide cover as long as you still live in the Netherlands.

Most policies don’t have a deductible. Some budget options include one (often around €100), and you can usually pay extra to remove it.

A typical policy costs €30–€50 per year for singles, or €50–€80 for families. Higher coverage limits (like €2.5M) usually add a few euros per month.

You can report a claim online or in your insurer’s app. You’ll share what happened, who was involved, and any photos or receipts. The insurer will handle communication with the other person.

Yes. Damage or injury caused by your dog, cat, or other household pets is usually covered - including bites or damage to someone else’s belongings.

Yes. Standard bikes and e-bikes that don’t require motor insurance are covered. Motor vehicles and illegal e-scooters aren’t.

No. Any damage caused while doing paid or professional work isn’t covered. You’ll need professional liability insurance instead.

Your policy usually starts as soon as you sign up and pay. There’s also a 14-day cooling-off period for online purchases.

Yes. After the first year, you can cancel monthly without fees. Some insurers let you cancel anytime from day one.

Yes. Family policies often cover children who study and live away from home until they become financially independent or move in with a partner.

Yes. Claims for bodily injury can reach hundreds of thousands - sometimes millions. For a few euros a month, AVP protects you from a major financial risk.

It’s strongly recommended. Many rental agencies, universities, and expat groups advise having AVP because accidental damage can be expensive. English-friendly providers are limited, so choose one that offers clear support with feather.

AVP covers everyday private-life accidents.

WA (third-party motor insurance) covers damage you cause while driving a motor vehicle - and it’s legally required for cars and scooters.

Sometimes. Many insurers include a “sports & game” clause that covers injuries even when no one is legally at fault — for example, during a friendly match. Coverage varies by insurer.

Usually no. Damage to borrowed, rented, or in-use items is typically excluded unless your policy includes a special limit for borrowed goods.