How can I apply for liability insurance?
Finally, you have made the choice to apply for liability insurance. You would like to be protected when you accidentally damage another person's belongings. Or worse: to that person themselves. When this happens, you can be confronted with a liability claim. The person who suffered the damage will then try to recover the damages from you. With a liability insurance you can cover these costs.
But what is covered by liability insurance? Who is covered by liability insurance? And how do you apply for liability insurance? Through this blog, Alpina explains it for you.
What is insured with liability insurance?
As discussed above, you will be compensated for the damage you have caused to another person. When you cause damage to another, your insurer will assess whether you can actually be held liable. Did you cause damage, but cannot be held liable? Then the insurance will not pay out. Are you found liable? Then the insurer will cover the costs arising from the damage.
Please note that the damage incurred is only compensated up to a certain amount. For example, you may be insured for an amount up to 1 million euros. Have you damaged a work of art to the amount of 2 million euros? Then you must compensate the remaining 1 million euros yourself.
Who is insured with liability insurance?
Besides what is insured, it is also important to know who is insured. First of all, you are always insured with liability insurance. Besides that you are insured, also your family is insured.
Your children are also insured when they are minors and live away from home, when they are of age and live at home or when they are of age and live away from home because of their studies. Your pets are also insured. It may happen that your dog eats the shoes of your visitors. In this case, you are liable for the damage because the dog is your responsibility.
How to apply for liability insurance?
You can choose to go through each insurer's site and fill in your requirements each time. This will give you a quote from that insurer. Then you go to the next site and do the process again. Until, hours later, you have finally compared all the different prices and can make your choice.
However, it can also be easier. Namely, you can use Alpina's online tool. All you have to do is fill in your details once as you will with the other insurance sites. Then you fill in the modules that suit your needs. Based on what you entered, the online tool will give you the best possible insurance for the most competitive premium.
Get your liability insurance through Alpina: simple and affordable
Are you considering taking out liability insurance? Then take it out now at Alpina! Thanks to our large number of modules, you can always choose the insurance that suits your needs. Do you have any doubts or questions about our liability insurance? Then feel free to contact our customer service team. They are ready to answer all your questions.
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