Personal liability is an insurance that covers material and bodily damage that you or a member of your household (including a pet) may cause to another person. These damages can be of various types: your child may break trinkets at a friend's house, your dog may damage the neighbours' sofa, the list can be long and costly.
Small accidents can happen quickly, and liability insurance applies if you or a member of your household – including your dog – cause material or physical damage to a third party, for example:
- If your child runs into someone with his scooter or accidentally injures a friend at school, personal liability insurance will compensate the counterparty.
- If you break your neighbour's window while playing football in the garden, your liability insurance will cover the cost of repairs.
It therefore covers you for damage caused by your children, your animal, etc., to any other person, whether it is material or physical damage.
There is, however, one piece of information to remember: if you have a dog, some municipalities require you to take out private liability insurance to cover any damage it may cause.
Private liability insurance is not compulsory in Luxembourg, unless:
- You own a dog
- You are engaged in an activity such as hunting
- You take part in pleasure boating
Personal liability insurance is usually part of your home insurance contract, either as an integral part or as an option. The premium can vary depending on the number of people in the household.
You can also take out a contract independently, and you can adjust it according to your needs:
- child care
- family party
- ownership of an equine
You must know that personal third-party liability insurance does not apply between people from the same household. If your child or your pet breaks your state-of-the-art phone, your personal third-party liability insurance will not pay for the damage. It only covers damage or loss caused to other people.
So, remember to check how your valuables are insured under your home policy. Did you know that additional cover may be added to your policy to protect some of your valuables against the vagaries of life?
It may also be useful to take out other insurance, such as accident insurance. Accident insurance protects you and your family if damage occurs during an accident of any kind.
As you will have understood, although personal third-party liability insurance is not compulsory (except for dog owners), it is essential in order to be covered for all the damage which you or members of your household may cause to other people. However, it does not cover you as between the different members of your household, so do not hesitate to take out accident insurance, or check and increase the optional cover in your home policy.
If you have contracted personal liability insurance with your home insurance, you can simply request a certificate from your insurance company.
Essential coverage against incidents
Bespoke personal insurance