Liability Insurance in the Netherlands: Do Expats Need It?
Accidents happen—especially when navigating life in a new country. That’s why many Dutch residents opt for aansprakelijkheidsverzekering, or personal liability insurance. But is this something expats should consider too?
What Is Liability Insurance?
Liability insurance covers the cost if you accidentally cause damage to someone else's property or injure someone. It's not mandatory in the Netherlands, but it's highly recommended—especially if you have children or pets.
What Does It Cover?
A standard liability insurance policy generally covers:
- Accidental damage to others' belongings (e.g. breaking someone’s phone)
- Injury caused to others (e.g. bumping into a cyclist)
- Damage caused by children or pets
What’s Not Covered?
These policies usually don’t cover damage to your own belongings or incidents involving motor vehicles, which require separate insurance. Intentional damage is also excluded.
Should Expats Get It?
While not required, having liability insurance is wise. Dutch culture emphasizes personal responsibility, and even a small accident can lead to costly claims. For just a few euros a month, you can avoid unexpected legal or financial headaches.
Where to Get It
Most Dutch insurers offer aansprakelijkheidsverzekering, and it’s often available as part of a package with home or contents insurance. Providers include:
- HEMA
- Centraal Beheer
- FBTO
- Univé
Final Tip
If you’re moving in with a partner or family, a household policy may cover everyone in your home under one plan.
While liability insurance might not seem essential at first, it can be a small price to pay for peace of mind in your new Dutch life.