Insurance > Personal liability insurance

Personal liability insurance

Liability insurance is not mandatory in the Netherlands but over 90% of the Dutch have one. Why do you need one? It protects you from financial loss in the event that you are found legally responsible for causing harm to someone else or their property.

Personal liability insurance
Insurance: Personal liability insurance

FAQ about Personal liability insurance

In this section we answer the most frequently asked questions regarding Personal liability insurance.

What is personal liability insurance?

Personal liability insurance, known as "aansprakelijkheidsverzekering" in Dutch, provides coverage for damages you may accidentally cause to someone else's property or for injuries you may accidentally inflict on someone else.

Is personal liability insurance mandatory in the Netherlands?

No, personal liability insurance is not legally required in the Netherlands, but it is highly recommended to have coverage to protect yourself from potential financial liabilities.

What does personal liability insurance cover?

Personal liability insurance typically covers third-party bodily injury or property damage caused by you, your family members, or even your pets. It may also cover legal expenses in case of a lawsuit.

Are family members covered under my personal liability insurance?

Yes, most personal liability insurance policies in the Netherlands extend coverage to include family members living in the same household.

Does personal liability insurance cover damage to my own property?

No, personal liability insurance is designed to cover damages to others and their property. It does not provide coverage for your personal belongings or property. Check home insurance for coverage. 


What is the coverage limit of personal liability insurance?

Coverage limits vary among insurance providers. It's important to choose a coverage limit that adequately protects your assets. Common limits are €1 million or €2.5 million.

Can personal liability insurance be used for professional liability?

No, personal liability insurance is not designed to cover professional liability. A separate professional liability insurance policy is needed for coverage related to your work or business activities.

Can I get personal liability insurance for my pet?

Yes, some personal liability insurance policies in the Netherlands like may offer coverage for damages caused by your pets. It's essential to check the policy details for specific inclusions and exclusions. Univé has an insurance designed for your pets.

How do I file a claim with my personal liability insurance?

In the event of a claim, you should contact your insurance provider as soon as possible. They will guide you through the claims process, which usually involves providing documentation and details about the incident.

How much does personal liability insurance cost?

The cost of personal liability insurance varies depending on factors such as coverage limits, your personal history, and the insurance provider. It's recommended to compare quotes from different insurers to find the best coverage at a reasonable price. We have listed some examples below. 

Unive’s Liability insurance for Expats

The personal liability insurance from Univé covers injury to others or damage to their stuff caused by you up to €2,5 million. A personal liability insurance is not mandatory in The Netherlands. But a very popular insurance nonetheless. Why? Because accidents happen. This could be from accidentally dropping your friends phone to the expensive drill that you borrowed breaking down. Replacing or repairing these items is expensive. A personal liability insurance covers these expenses. You can secure a Univé liability insurance starting from € 3,63 per month. Another benefit of the Univé personal liability insurance? It offers worldwide coverage. Taking a trip home? Univé has got you covered. Visit the Univé website for more information.

Recommended insurers


Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.


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ABN Amro

ABN AMRO Bank N.V. is the third-largest bank in the Netherlands. They also have highly rated insurances and mortgages. If you already have an bank account with them, this is the easiest option to get Personal liability insurance. Check the website for more information.

Centraal Beheer

Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for personal liability, home, car, your bike and much more.

This page was last updated: 06/14/2024.