Liability Insurance
for expats

You are insured, along with your partner, children (including adult children studying away from home), other household members registered at the same address, guests, and domestic staff while working for you. The exact household composition is listed on your policy.

Yes. The insurance is valid worldwide, as long as you live in the Netherlands. For children living at home or studying abroad, coverage applies worldwide except in the United States and Canada.

Yes. The insurance does not cover:

• Intentional damage, fraud, or criminal acts.
• Damage caused by cars, boats, or aircraft.
• Damage during paid work (your employer is liable).
• Damage to your own belongings or those of your housemates.
• Injuries to fellow players during sports or games.
• Damage caused by sexual behaviour.
• Damage from weapons and during hunting.
• Damage caused by asbestos.

Damage to fellow players or their belongings during sports is not insured. However, damage or injury caused to spectators is insured up to €25.000 per incident. Damage caused during voluntary work is insured, provided you only receive a small expense allowance.

There is no standard excess. A €250 excess applies only:

• For damage to someone else’s mobile electronics.
• If children were not initially included in the policy but caused damage later.

Fire damage to a rented home you live in is insured up to €175.000 per event.

The insurance runs for one year and is automatically renewed annually. You can cancel via your authorised agent or adviser, effective on the date you choose.