What is passenger insurance?

As a supplement to your car insurance you can take out a passenger insurance. There are two different passenger insurances.

Accident insurance

Accidental occupant insurance pays fixed amounts in the event of death or permanent disability of the driver and/or passengers.

The amounts are agreed in advance in the policy and there is no relation between the amount paid and the actual damage suffered. The cover applies when the passengers are in the car, but also, for example, when they are getting in and out of the car or carrying out emergency repairs en route. Material damage is not covered by the accident passenger insurance. For this you can take out a damage insurance for passengers.

Damage insurance for passengers

The passenger indemnity insurance compensates the damage suffered by the driver and passenger(s) in the vehicle concerned.

This damage may include property damage (clothing, luggage, etc.), loss of earnings, household help, transport costs, medical costs, compensation and funeral costs. The maximum insured amount per event for all insured persons together is usually about 1 million euros.

With the passenger indemnity insurance, it does not matter who is at fault for the accident. When one of the passengers suffers a loss due to an accident and this loss cannot be recovered from another insurance company, then the passengers can claim this loss on the passenger indemnity insurance. Especially when the other party cannot be traced, this is desirable.

If the driver is at fault for the accident, the passengers still have the option to hold the vehicle's third-party insurance liable and recover any damages from it. If the question of guilt is unclear, this can be a long process. By taking out a passenger indemnity insurance, you can avoid this process.
112schade.nl can help you recover your personal injury from the other party.

Accident insurance

Damage insurance for passengers

Pay the agreed amount once in the event of death and permanent disability (total or partial)pays for all actual material damage and personal injury incurred in the accident, provided that such damage is not compensated for on another insurance policy (in the alternative) and up to a maximum of the sum insured
Sum insured discussed and determined in advance (in case of partial and permanent disablement not the full sum insured but a percentage thereof after examination by the occupational physician and in accordance with the Gliedertaxe)All actual damage (in the alternative) suffered by the occupants up to a maximum of EUR 1 million
Psychological injury is not coveredIn most cases, compensation/psychic injury is included in the insurance.
Payment is independent of the person(s) who may be held liable for the collision. One can hold the (insurer of the) perpetrator liable and this insurer is not allowed to deduct the OI payment.Actual damages are paid and insurer can recover paid damages from liable party (insurer)
No link between amount paid and actual damage sufferedDamages paid are the actual damages suffered and proven


The cover under a passenger indemnity insurance is subsidiary/complementary, i.e. only if damage is not compensated for by another insurance.

An overview of the coverage can be found here.

Compare premiums online for cheap car insurance!

  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

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Last updated: 07-09-2021

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