OHRA Liability Insurance
The Dutch insurer OHRA is part of the NN Group, also known as Nationale Nederlanden. With approximately 5 million customers, this financial services provider is the largest in financial products such as insurance, mortgages, investments, or loans. OHRA operates as an insurer under the umbrella of the NN Group. You can contact OHRA for various types of insurance, including health insurance, home contents insurance, or liability insurance. What exactly does the OHRA liability insurance entail?
OHRA Liability Insurance Coverage
Liability insurance is not mandatory, although the chance of accidentally causing damage to another person or their property can be small. Spilling a colourful drink on a carpet, laptop, or curtain, or an accident during your volunteer work or foreign internship, accidental damage can occur in different situations. Not only damage caused by yourself but also damage that your pet might cause to others or their belongings is covered under a liability insurance policy. With such insurance, the sometimes high cost of this damage fortunately doesn’t fall on your shoulders!
If damage occurs, you must contact OHRA to report the damage. The insurer will ultimately determine the exact extent of the damage, sometimes with the help of a damage expert. Up to what amount can you be insured for liability at OHRA?
| Coverage | Monthly premium |
|---|---|
|
Damage amounts up to €1,250,000 |
€3.01 |
|
Damage amount up to €2,500,000 |
€3,42 |
The premium is calculated based on a single student aged 20. Not all forms of damage are covered without limits. The following types of damage have coverage restrictions:
| Type of damage | Insured amount |
|---|---|
| Damage occurring during a stay or babysitting | Up to €25,000 per incident |
| Damage to borrowed items | Up to €25,000 per incident |
| Damage during sports and games | Up to €25,000 per incident |
| Damage during a friendly favour | Up to €25,000 per incident |
What exactly is covered?
When you take out liability insurance, you are insured for the following matters, among others:
- Damage that you have caused yourself to someone else or their property;
- Damage you accidentally cause during your volunteer work;
- Damage accidentally caused during an internship;
- Damage caused by your pet;
- Damage accidentally caused while performing a friendly favour, such as helping someone move (up to €25,000);
- Damage occurring during sports or game situations (also up to €25,000);
- Damage to borrowed items (up to a maximum of €25,000).
OHRA’s liability insurance is valid worldwide, but you must be registered (and reside) in the Netherlands.
What is not covered?
Not all types of damage are automatically reimbursed by your liability insurance. Which types of damage or circumstances are (among others) not covered by OHRA?
- Damage caused intentionally;
- Damage occurring during professional activities (for which your employer is usually insured);
- If you borrowed a motor vehicle or car and damage occurs;
- Damage caused by the possession or use of weapons.
Deductible
When you take out liability insurance with OHRA, you do not have to deal with a deductible. No portion of the damage amount is at your own expense.
Discount
OHRA has stopped offering package discounts when taking out multiple insurances. Currently, no discounts are available for taking out liability insurance.
