Liability insurance helps you if you accidentally damage someone else's property. The insurance will then cover some or all of the cost of this damage.
Private liability insurance is for your private life. This insurance pays out if you damage someone else's belongings or injure someone. You can often co-insure family members. Private liability insurance is not compulsory but it is advisable. You pay a premium every month for this insurance.
If you have a vehicle that is registered in your name, you must have third-party insurance for the vehicle. Third-party vehicle insurance (WA) covers damage to others that you cause with that vehicle. It does not cover damage to your vehicle that is caused by you. If you do not drive or are currently not driving, you still need to have insurance for your vehicle unless you cancel the registration number through the Netherlands Vehicle Authority (RDW).
Private liability insurance (AVP) is not compulsory, but it is useful for covering damage that is very costly (e.g. injuries). Third-party vehicle insurance (WA) is compulsory if the vehicle is registered in your name. If you do not have this insurance, you can be fined.
No. This insurance only covers damage to others (injuries or damage to their belongings) in your private life. It does not cover damage to your own belongings. Damage caused with your car/motorbike/scooter is covered by third-party vehicle insurance (WA). This insurance covers damage to others, not your own vehicle.
Yes. If the vehicle is registered in your name, you must have third-party insurance for the vehicle even during periods when it is not being driven. The obligation to have third-party vehicle insurance will only be temporarily suspended if you cancel the registration number through the Netherlands Vehicle Authority (RDW).
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