Personal liability insurance (AVP) insurers

Around six million Dutch people have personal liability insurance (AVP). It is a very popular type of insurance that is offered by almost every insurer. This page describes the situation in the Netherlands. Even so, there are big differences between these insurers. Not only in terms of the price of liability insurance, but also in terms of the cover. The most important AVP insurers are listed below (reference date: March 2023). Most Dutch insurers offer their website and policy documents in Dutch only.

FBTO

With FBTO, the policyholder can choose between a sum insured of €1.5 million or €2.5 million. This choice can be changed at any time during the year. This liability insurance also covers adopted children (from the moment they are officially placed with the family), children who live with an ex-partner and regularly stay with the policyholder, and children who live elsewhere for a full-time course of study. Also bear in mind that changes to your family situation must always be reported within 14 days. Otherwise, FBTO will not pay for the damage, or will pay only part of it.

Univé

The AVP insurance from Univé has no excess, provides worldwide cover and covers €2.5 million as standard. The insurance also covers liability for damage caused with a number of motor vehicles, such as a ride-on mower, a sailing boat and a remote-controlled model car. There are, however, a number of exceptions, for example for damage caused while ice sailing. Read the policy conditions carefully. They set out all the cover and exclusions clearly.

Allianz Direct

Allianz Direct offers fairly comprehensive AVP insurance with worldwide cover. The policyholder can choose between an annual or a monthly premium, and the maximum cover is €2.5 million. Be careful, though, because there are a number of restrictions. For example, damage caused while doing a favour for a friend and damage to rented or borrowed items is only insured up to a maximum of €15,000. Damage caused during sport and play is only insured if the game did not proceed normally or if it concerns damage or injury to a spectator.

AEGON

The AVP insurance from AEGON offers fairly broad cover. For example, children who are studying and living away from home are covered as standard, as is damage caused by a pet. The costs of legal assistance in connection with a liability claim are also covered. The policyholder can choose between a sum insured of €1.25 million or €2.5 million. As with the other insurers, there are restrictions here too, for example for damage caused while doing a favour for a friend and damage to rented or borrowed items (max. €12,500). The excess at AEGON is €0 as standard, but can voluntarily be increased to a maximum of €500.

ING

With ING, the policyholder can choose between a policy with cover of €1.25 million or €2.5 million. Strictly speaking, this is not really an ING insurance policy, because the actual insurer is Nationale Nederlanden. ING therefore acts only as an intermediary. ING offers good help with switching and is aimed at ING customers.

Policyholders can, however, count on good support. For students, ING offers a separate student insurance that includes home contents insurance, liability insurance and accident insurance. Some notable points from the policy conditions are:

• The maximum insured value when borrowing, working on, transporting or living in someone else's property is €25,000
• The maximum payout for favours for friends, sport and play or babysitting situations is €25,000
• For damage abroad, the insurer provides a deposit of up to 10% of the sum insured

Centraal Beheer

The liability insurance from Centraal Beheer is known for its good help with claims, with staff available to the policyholder 24 hours a day. At Centraal Beheer, the policyholder can choose between cover of €1.5 million or €2.5 million. As with the other insurers, a number of exceptions apply.

Promovendum

The insurer Promovendum offers liability insurance with a low premium for people with a higher education. They can choose cover of between €1.5 million and €3 million per incident. The insurance is very extensive and also includes damage caused while doing a favour for a friend or to borrowed items, damage caused by pets or children up to the age of 24 (optional), and damage caused with a bicycle. Optionally, it is also possible to include your partner in the insurance. In principle there is no excess, but the policy conditions do provide for an excess of €100 for damage when borrowing items.

a.s.r. verzekeringen

As standard, the liability insurance from a.s.r. verzekeringen provides cover of €1.25 million or €2.5 million for claims made against the policyholder. Damage to the babysitter, damage caused by pets and liability for damage caused by minor children are also covered. A special feature is that damage to the policyholder caused by someone else's crime is also covered, up to a maximum of €50,000. Restrictions also apply to damage caused while doing a favour for a friend and damage to rented or borrowed items (max. €12,500). Optionally, recovery assistance or damage caused during sport and play can be added to the insurance. Furthermore, there is no excess as standard, but this can voluntarily be increased to €500. The excess for damage caused by children or pets can also voluntarily be increased to €250.

ANWB

ANWB is of course best known for its roadside assistance, but it is more than just that. It offers various types of insurance, including the ANWB Aansprakelijkheidsverzekering (liability insurance). The ANWB Aansprakelijkheidsverzekering covers liability claims up to €2.5 million. The whole family is insured worldwide straight away for personal injury and material damage caused to others. However, intent, damage to items entrusted to you, damage with or caused by vehicles and damage caused by (fire)arms are not insured.