Liability insurance co-parenting; what about it?
Your children are playing outside and you see the ball go through the neighbour's window. An accident can happen at any time, but the damage must be compensated. After the divorce, you never thought about liability insurance. You happen to know that your ex has liability insurance. Can you claim the damages through his insurance if you are separated and the children are with you? Are you still liable for the damages your children make? Do you both have to take out insurance if you co-parent the children? Questions like these will be addressed in this handy article on liability insurance co-parenting.
Liability insurance co-parenting; when are you responsible?
The law specifies the age of children in different liability categories.
Children up to 14 years of age are never liable themselves. In this case, the parents are always liable for the children's actions.
Children of 14 or 15 are liable on their own and sometimes together with their parents. In this age category, it depends on the situation and where you were as a parent. If you could have remedied it, you are liable; if you could not, your son or daughter is liable.
Children of 16 years and older are fully liable themselves. In principle, you will never bear the liability of your child. It is often the case, however, that they are covered by your insurance and that you, as a parent, take care of it for your children.
But if you are divorced and you both co-parent your children, who should take out liability insurance? In principle, the parent with whom the children are staying is liable for any damage that occurs. However, you are jointly responsible for your children. The party that has suffered the damage can try to recover the damage from both parents. It is therefore important to insure both of you against liability. Apart from taking out liability co-parenting insurance, it is also important to make good arrangements with your ex-partner.
Until what age are your children co-insured under the liability insurance?
If you have a liability insurance that covers the entire family (registered at your address), your children are in principle insured until the age of 27. There is an exception to this, namely: if your child gets married.
What should you look for in co-parenting liability insurance?
Every insurer has different policy conditions. It is important to take a good look at them and, if necessary, contact your insurer. The insurer can go through with you what you should pay attention to and how you are insured. It is also wise to mention that you are divorced, so that the insurer can take this into account.
Take out your co-parenting liability insurance through Alpina: simple and affordable
Are you considering co-parenting liability insurance? Then take it out now through Alpina! We have the right coverages for every situation. Always at the most competitive premiums. Do you have any doubts or questions about our co-parent liability insurance? Please feel free to contact our customer service team. They are only too happy to answer all your questions.
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here today until 18:00