What does third-party contents insurance cover?
What is the difference between Civil Liability insurance and home contents insurance, or is it the same thing? These terms are once again used interchangeably, yet they are two separate policies you can purchase. In this article, we will take a closer look at these insurances. What is third-party insurance? And in which cases should you take out contents insurance? We explain it to you.
Third-party insurance or liability insurance?
When we talk about third-party insurance, we mean legal liability insurance. This insurance pays for the damage you cause to another person with your car. Do you own a vehicle such as a car or motorcycle? Then it is mandatory to take out this.
Private liability insurance, or AVP for short, insures you for damage you cause to others. Unlike liability insurance for vehicles, it is not compulsory. Nevertheless, it is wise to take it out anyway. For a small amount per month you already have ample coverage.
Why have contents insurance?
Contents insurance is really a totally different type of insurance. This insurance covers damage to your own belongings in your home such as your furniture, clothes and home accessories. All items not attached to your home are insured with contents insurance. For example, your contents are insured for water damage or damage caused by fire. Damage caused by burglary or theft are also covered by your contents insurance. The amount of the premium depends on the insured amount you want to insure. The value of your household contents is of course important. Do you have a lot of valuables that you want to insure or not?
Liability insurance; what is covered?
An accident is in a small corner. For example, you may accidentally cause damage to another person. A glass of red wine over your neighbor's white shirt, for example. It can also happen that you cause damage to someone else. For example, you collide with someone who falls to the ground and breaks his arm. The moment you are held liable for this personal injury, you will be glad if you have liability insurance. You will then be covered for such damages.This is because you will be insured for these damages.
Taking out household contents insurance? Calculate your premium!
Can I take out third-party and contents insurance together?
If you compare household insurance via inboedelverzekering.nl you can also take out liability insurance. You can take out liability insurance separately, but also as part of a so-called home insurance package. In a home insurance package you can add all kinds of coverages that apply to you. You can think of home insurance, building insurance, travel insurance and so on.
You often get a discount when you take out multiple insurance policies (also called sections) in a (home) package. The more insurances you take out, the more discount you get. This is called package discount. This can give you a nice savings. Also, in case of damage, it is easier when the insurances go through the same insurer. This also makes it a lot clearer for yourself.
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