Nationale Nederlanden Liability Insurance
Financial service provider of size, with more than 175 years of experience and active in the Netherlands and abroad: at Nationale Nederlanden, you can arrange your mortgage, health insurance, and other non-life insurance such as liability insurance. In 2017, insurer Delta Lloyd was incorporated into Nationale Nederlanden. NN has also joined forces with insurer Reaal. Nationale Nederlanden’s liability insurance is central to this page.
Website of Nationale Nederlanden
Nationale Nederlanden liability insurance: coverage
With the basic coverage of Nationale Nederlanden liability insurance, you are insured worldwide for damage that you cause to others or other people’s belongings. Damage to pets or assistance with moving is also covered. You can choose the basic coverage of €1,000,000 or the comprehensive coverage of €2,500,000. You can receive an additional package discount if you select another student’s insurance, such as home contents insurance. The premium in the following table is based on a 20-year-old student living in a dorm (40 square meters) in the centre of Utrecht.
| Coverage | Premium |
|---|---|
| Insured up to max. €1,000,000 | From €3.65 per month |
| Insured up to max. €2,500,000 | From €4.11 per month |
Some forms of damage are capped. These are:
| Type of damage | Insured amount |
|---|---|
| Damage caused by children under the age of 14 during babysitting or staying overnight | Up to a maximum of €12,500 |
| Damage during a favour to a friend | Up to a maximum of €12,500 |
| Not liable, but still covered | Up to a maximum of €12,500, for example, during sports & games or taking care of someone else’s pet |
What exactly is insured?
You are insured in the following situations through Nationale Nederlanden’s liability insurance:
- Damage caused by yourself, housemates, domestic staff or pet;
- Babysitting and staying overnight: children under the age of 14 in the event of damage during babysitting or staying overnight;
- Favours to a friend: damage caused when helping friends move or do a job;
- Damage caused by your pet;
- Not liable, but still insured: for example, in sports & games situations.
What is not insured?
Which types of damage are excluded from coverage? Below, you will find a brief overview, including:
- Intentionally caused damage or a crime;
- Damage to your belongings or those of housemates;
- Damage caused by your car;
- Paid work that causes damage;
- Damage caused by (air)craft.
Additional coverage for Nationale Nederlanden liability insurance
No additional coverage can be taken out with Nationale Nederlanden liability insurance. Combining multiple damage insurance policies with additional package discounts, such as home contents insurance and liability insurance, is possible.
Deductible
There is no mandatory deductible for Nationale Nederlanden liability insurance. However, in the event of damage, some liability insurers first require you to pay a small portion of the damage yourself, called the deductible. A higher deductible generally leads to a lower premium.
Liability insurance discount Nationale Nederlanden
Are you opting for multiple home insurance policies with Nationale Nederlanden, such as a combination of home contents and liability insurance? You will then be eligible for a package discount of up to 8%.
