What does liability insurance cost? Alpina.nl (2024)

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What does liability insurance cost on average? Liability insurance costs; how they are structured Package discount Customers about Alpina Never underinsured A wide range Help from our experts

What does liability insurance cost on average?

This question is not so easy to answer, as the cost of liability insurance depends on various factors. For example, a single person without children will be cheaper than a family with children. The insurer of course looks at the risk of damage. Children are a risk factor, because they are often impetuous and unpredictable. The average cost of liability insurance is between €6 and €8* per month. A single person without children will spend an average of €3 to €5* per month.

*This is an indication. To calculate the exact costs, please refer to our calculation module on our website.

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Liability insurance costs; how they are structured

There are a number of factors that determine premiums for liability insurance. These include the factors the insurer considers when calculating the premium:
- amount of the deductible (the higher the deductible, the more "discount" you get on the premium)
- family composition (the premium for a single person is lower than for a family, because less risk is run by the insurer)
- amount of the sum insured (often you have a choice between two different insured amounts)

If you want to change any of the above, the insurance premium will change. This can be higher, but also lower.

Package discount

At Alpina, we cooperate with several providers when it comes to liability insurance. Most insurers offer you a discount if you also take out other insurance with them. For example, household, homeand legal expenses insurance. This is called package discount. This could also influence your choice.