What do you need to know about liability insurance?

In very general terms, liability insurance covers all damages for which you are legally liable. This could be minor damage such as a child scratching a parked car or your young dog unexpectedly destroying some bushes at a neighbour's house. But it also includes personal injury that leaves someone incapacitated for work.

ABN AMRO Insurance's claims handlers determine whether the claim is covered for each situation. Are you held liable by someone for a claim? If so, report this to us as soon as possible.

Does your child or dog knock over the television when you are visiting someone? Children and pets living at home are also covered by liability insurance. The same applies to out-of-home children who are studying full-time or children in a care or nursing home. Damage they cause is therefore also covered.

However, it is important to indicate when taking out the insurance that you have children. Does your family situation change during the policy term? Please remember to notify us of this.

No, liability insurance only covers damage you cause to others or their belongings. Have you accidentally damaged your own belongings yourself? If so, this is not covered. This also applies to the belongings of everyone who is co-insured, including your partner and children. However, you can take out a all-risk home contents insurance. Have you suffered damage to yourself or your property by someone else? Then you should recover this from the other person.