What does a WA contents insurance cover?
What is the difference between third-party liability insurance and home insurance, or is it the same thing? These terms are often used interchangeably, yet they are two separate insurance policies that you can take out. In this article we will take a closer look at these insurances. What is a third-party insurance? And in which cases should you take out contents insurance? We will explain it to you.
Third-party insurance or liability insurance?
When we talk about third-party insurance, we mean legal liability insurance. This insurance reimburses the damage that you cause to another person with your car. Do you have a vehicle such as a car or a motorbike? Then it is compulsory to take out this insurance.
With a liability insurance for private individuals, AVP for short, you are insured for damage that you cause to others. Unlike third-party insurance for vehicles, this is not compulsory. Nevertheless, it is wise to take out this insurance. For a small amount per month, you already have a wide coverage.
Why take out home contents insurance?
A contents insurance is really a completely different insurance. This insurance covers the damage to your own belongings in your home, such as your furniture, clothing and home accessories. All items that are not connected to your home are insured with a household contents insurance. Your household contents are insured for water damage or damage caused by fire, for example . Damage caused by burglary or theft is also covered by your household effects insurance. The amount of the premium depends on the insured amount you want to insure. Of course, the value of your possessions is important. Do you have a lot of valuables that you want to insure or not?
Liability insurance; what is covered?
An accident can happen at any time. It can happen that you accidentally cause damage to someone else. A glass of red wine over your neighbour's white shirt, for example. It can also happen that you cause damage to someone else. For example, you bump into someone, causing them to fall to the ground and break their arm. When you are held liable for this personal injury, you are glad you have liability insurance. You will then be covered for such damage.
Can I take out third-party and household insurance together?
If you are going to compare contents insurance through inboedelverzekering.nl , you can also purchase liability insurance in the process. You can also purchase liability insurance separately, or as part of a so-called home insurance package. In a home insurance package, you can add all kinds of coverages that apply to you. You can think of a home insurance, building insurance, travel insurance, and so on.
You often get a discount when you take out several insurances (also called categories) in one (home) package. The more insurance policies you take out, the more discount you will receive. This is called a package discount. This can provide you with nice savings. Also, in case of damage, it is easier when the insurances run through the same insurer. This makes it a lot easier for you as well.
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