Allianz Direct Liability Insurance

Allianz Direct is a prominent player in the insurance industry and part of the global Allianz Group. Allianz Direct aims to make insurance simpler, more transparent, and more accessible for customers. With a wide range of insurance products, from auto to liability insurance, Allianz always offers a suitable policy. Whether you’re looking for protection for your vehicle, home, or yourself, Allianz Direct provides insurance solutions tailored to the needs of its customers. On this page, you’ll find more information about Allianz Direct’s liability insurance.

Allianz Direct Liability Insurance

In the Netherlands, liability insurance is not legally required, but it can be very useful. In everyday life, countless situations can lead to accidents. Whether it’s knocking over a vase at a friend’s house, a bike accident involving another person, or a pet causing damage, the financial consequences can be significant. This is where liability insurance becomes essential.

With liability insurance, you’re covered worldwide for damage you cause to others or their property. If you’re held responsible for damages to third parties, compensation can reach thousands of euros, depending on the severity of the damage. Liability insurance covers these costs, preventing you from facing high expenses. With Allianz Direct’s liability insurance, the maximum insured amount is €2,500,000. However, damage to your own or rented belongings is not covered under this policy.

Coverage of Allianz Direct Liability Insurance

Allianz Direct’s liability insurance covers various incidents. The table below provides an overview of the coverage.

Covered event	Not covered
Your home or something attached to your home causes damage to someone else’s property or person.	The building is not a residence or doesn’t belong to your home.
Damage to someone else for whom this insurance also applies (mutual damage).	Damage to the belongings of insured individuals among themselves.
Damage caused by your pets.	Pets that are used for work, profession, or business, even if they cause damage in a private setting.
Damage while helping someone else (friendly service), up to a maximum of €15,000.	– Damage to the belongings of someone else covered by this insurance. – The person affected is not private or partly at fault. – You’re paid for the friendly service. – There’s no direct link to the damage caused. – You’re professionally involved in the help provided.
Damage to someone else’s belongings or living space that you’re responsible for (oversight), up to €15,000.	– You have a contract for using the living space (e.g., rental, lease, etc.) or are using it through a sharing platform like Airbnb. – The belongings are with you for work or business purposes. – You have items you cannot possess by law or the owner’s terms. – Damage to motor vehicles, boats, caravans, folding trailers, or drones. – Loss or theft of money, bank cards, credit cards, or valuable papers such as gift vouchers and checks.
Damage to a rented holiday accommodation.
Damage caused by or with a motor vehicle, (air)craft, or e-bike.	Damage caused by motor vehicles or e-bikes with mandatory insurance or cars that are illegal on public roads, boats requiring a license, or vessels that exceed 20 km/h or are over 15 meters long.
Damage during paid work (e.g., as a student with a part-time job, internship, or holiday work).	– You work for the person who took out this insurance. – You need to compensate your employer for the damage. – Your employer has liability insurance for the damage.

Deductible

Many insurance policies come with a deductible. This is the part of the damage you pay yourself, with the insurer covering the remaining costs. Allianz Direct’s liability insurance has no deductible. This means that in the event of a covered incident, you won’t need to pay anything out of pocket.

What is Not Covered by Liability Insurance?

Certain situations are not covered by liability insurance. The following events are excluded from the coverage:

Damage caused intentionally;
Damage resulting from a crime;
Damage to your own property or that of your housemates;
Damage caused by your car;
Damage from sports or games;
Damage related to sexual behavior or actions involving sex;
Damage occurring during paid work.

Additional Coverage

Allianz Direct’s liability insurance does not offer additional coverage options. However, you can combine it with home contents insurance, which protects your own belongings in your home from damage.

Allianz Direct Liability Insurance