Discover what liability insurance (AVP) costs in the Netherlands. Compare premiums, coverage and conditions and take out the best insurance immediately.
Average cost for a liability insurance (per month)
Liability insurance (AVP) is one of the cheapest insurance policies available. Premiums start from 2 euros per month for a single person and go up to 8 euros per month for a family with extensive coverage. This small amount covers you against damage you accidentally cause to others or their property.
Without liability insurance, you are personally liable for any damage you cause. A small clumsiness can lead to enormous financial consequences. Think of water damage at the neighbors that costs thousands of euros, or a bicycle accident in which someone is injured. An AVP protects you against these risks for just a few euros per month.
Basic coverage insures the most common situations: damage to other people's property, personal injury and property damage. Extensive coverage adds, for example, damage caused by pets, sports-related damage, damage to borrowed items and damage abroad. The premium difference is often only 1 to 3 euros per month.
When comparing liability insurance, pay attention not only to the premium, but also to the insured amount, the deductible and the specific coverage. Check whether pets, sports activities and children studying away from home are included in the insurance. A higher insured amount of 2.5 million instead of 1.25 million often only costs 1-2 euros extra per month.
The most common mistake is not taking out AVP at all. In addition, people often forget to mention that they have a pet or that they have acquired a partner. Double coverage also occurs, for example if both partners each have their own AVP while a family policy is sufficient. Check your policy annually and adjust it if your living situation changes.
| Service | From | To | Unit |
|---|---|---|---|
| Single | €2 | €4 | per month |
| Living together/married | €3 | €6 | per month |
| Family with children | €4 | €8 | per month |
| Basic coverage premium | €2 | €4 | per month |
| Premium comprehensive coverage | €4 | €10 | per month |
| Own risk | €0 | €250 | per claim |
A single person pays the lowest premium. For a family, the partner and children living at home are also insured, which increases the premium slightly.
Basic coverage insures the most common damages. Extensive coverage offers extra protection, for example in the event of damage caused by pets or sports.
The standard insured amount is 1.25 million euros. A higher amount of 2.5 million euros costs slightly more but offers extra security.
A higher deductible lowers the premium. With most AVP insurance policies, the deductible is 0 to 250 euros per claim.
Liability insurance costs 2 to 8 euros per month, depending on your family situation and the level of coverage. A single person pays an average of 3 euros per month. A family pays 5 to 8 euros per month.
No, an AVP is not legally required, but it is strongly recommended. If you cause damage to someone else, you are personally liable. Without insurance you have to pay for the damage yourself, which in the worst case can amount to hundreds of thousands of euros.
AVP covers damage that you accidentally cause to others or their property. Think of a cup of coffee over a laptop, water damage at the neighbors or a collision as a cyclist. Intentionally caused damage and damage to your own belongings are not covered.
Yes, children living at home are automatically insured with a family policy. Children up to the age of 27 who live away from home are also insured with many insurers. Check this in the policy conditions.
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