No, a family liability insurance is not legally required. However, many families take it out because a small mistake can result in significant damage claims.
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Family liability insurance
An accident often happens when you least expect it. You might accidentally knock over a cyclist, your child could break a window while playing, or your dog might cause damage at the neighbors’ house. In such situations, the financial impact can quickly add up.
With a family liability insurance (also called private liability insurance), you are protected when you or a family member unintentionally cause damage to others. This insurance covers the damage to third parties and protects you against unexpected expenses. Van Dessel is happy to help you choose a plan that perfectly matches your family situation.
What is a family liability insurance?
A family liability insurance is a liability policy that covers damages accidentally caused by you, your family members, or your pets to others. This can involve both bodily injury (for example, injuring someone) and material damage (for example, dropping a smartphone or breaking a window).
The insurance usually covers:
- Yourself
- Your partner
- Your children living with you
- Your pets
Because damage claims can quickly become expensive, family liability insurance is important protection against financial risks for many families.
What are the benefits of this insurance?
Covers damage that you or your family members accidentally cause to others.
Covers both bodily and material damage to third parties.
Covers damage caused by pets such as dogs or cats.
Covers the financial consequences of a claim that would otherwise have to be paid out of pocket.
Who is this insurance for?
A family insurance policy is relevant for almost everyone, but especially for:
- Families with children
- Couples or singles
- Pet owners
- People who regularly participate in daily traffic (cyclists, pedestrians, athletes)
Even without children, a small accident can have major financial consequences. That’s why many individuals choose this insurance as basic protection.
What is covered and what is not?
What is covered?
- Damage caused by you or a family member to another person
- Personal injury to third parties
- Property damage to other people’s belongings
- Damage caused by pets
- Damage caused whilst engaging in hobbies or daily activities
- Injuries sustained during private or work-related travel, as a pedestrian or using a bicycle, scooter, wheelchair, electric bicycle or Belgian registration-exempt vehicle
What is not covered?
- Damage you cause deliberately
- Damage to your own belongings
- Damage caused by a motor vehicle (this is covered by motor insurance)
- Professional activities
How much does this insurance cost?
A family insurance policy is among the most affordable insurances. The premium depends, among other things, on:
- Your family composition
- The number of insured persons
- Any additional coverages
- The chosen insurer and deductible
In many cases, the premium amounts to only a few euros per month, while possible claims can run into the thousands of euros. A good policy therefore provides essential financial protection.
"Thank you for the good support with my claim."
Family J. from Berchem
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We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Would you like to know which family insurance best suits your family?
The advisors at Van Dessel Insurance Brokers will review with you:
- Your family situation
- Possible risks
- The best coverage and premium
This way, you can be sure that you are well protected if unexpected damages occur.
Which insurances complete your package?
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