- Protection against damage to third parties
- For all persons in the same household
Personal third-party liability insurance is essential to cover unintentional damage caused to others in the course of everyday life. It offers essential protection against the financial consequences of an accident. This essential insurance covers any tangible, intangible and physical damage caused by negligence or carelessness.
- While practising sport.
- For damage caused to others by your pet.
- For damage caused to others by your household appliances or gardening equipment.
You can complete your insurance according to your needs:
- Stays and trips abroad.
- Internships abroad.
- Childcare.
Personal third-party liability covers not only you, but also:
- Your spouse.
- Your children.
- Anyone who habitually lives with you.
Third-party liability requires a person to compensate for damage caused to others, whether physical, tangible or intangible. Such damage must be unintentional and often the result of negligence or carelessness.
For example, if your child breaks a window while playing ball or if your dog bites a neighbour, you will be held responsible.
Repair costs may be high, which is why third-party liability insurance is so important. It covers not only damage caused by you, but also damage caused by people or objects in your care.
It provides essential financial protection against unforeseen events in everyday life.
Personal third-party liability insurance may be taken out at the same time as your home insurance.
Third-party liability insurance covers damage caused to third parties by
- insured persons:
- in the course of everyday life;
- when practicing of amateur sports;
- when baby-sitting;
- during paid or unpaid work placements as part of studies in the Grand Duchy of Luxembourg.
- the movable property in your possession:
- toys and motorised devices, including flying machines;
- common pets, except
- equines, which require additional cover;
- dangerous dogs that do not comply with the law of 9 May 2008.
Personal third-party liability covers:
- your person;
- your spouse;
- your children;
- persons habitually living in the same household free of charge.
Depending on your needs, you may add the following cover to your third-party liability insurance:
- holidays and travel
- family celebrations
- equines
- childcare
In some cases, such as hunting or pleasure boating, simple third-party insurance is not enough: you need specific third-party liability cover.
Hunting liability insurance is compulsory if you wish to hunt in Luxembourg. For example, if you injure another hunter through clumsiness or if your dog causes damage, this insurance covers the costs of repairs or treatment.
It is essential to always carry your valid hunting licence and your insurance certificate with you when you go out. In the event of a check, these documents are essential to prove that you are in order.
It is essential to cover property damage and personal injury that you may cause to other boats, port facilities or people. For example, if your boat collides with another craft, the cost of repairs will be covered.
Marinas often require you to take out this type of insurance in order to moor your boat. Cover may include
- The cost of removing the wreck in the event of sinking.
- Damage caused by your crewmates to other people.
Third-party liability insurance is not compulsory in Luxembourg, except in certain specific cases. For example, dog owners must take out this insurance. Some municipalities also require proof of insurance for certain activities, such as leisure sailing or hunting.
As part of a car insurance, the third-party liability insurance is the minimum requirement in the event of an accident with a third party.
Anyone who is likely to cause unintentional damage to others may need third-party liability insurance. Something as simple as spilling coffee on a computer may cause damage.
Third-party liability insurance covers various scenarios, including:
- Damage caused by children, such as breaking a window while playing.
- Incidents involving pets, such as dog bites.
- An accident while cycling.
In the event of a claim, this insurance covers the cost of repairs, avoiding unforeseen expenses. Always check the exclusions in your policy to find out exactly what is covered.
Therefore, third-party liability is essential if you are to be protected from the hazards of private life.
Third-party liability insurance is not automatically included in home insurance. Most of the time, it is an additional guarantee that you simply add to your policy.
This type of insurance comes into play in many everyday scenarios:
- If you accidentally break an object belonging to someone else, such as a mobile phone.
- If your child causes damage while playing at a friend’s house.
- If your dog bites someone or damages property.
- If at a party, you spill a glass of wine on an expensive sofa at your friends’ house. Your third-party liability insurance will cover the cost of cleaning or replacing the sofa.
- This insurance is also useful in more complex cases, for example if you unintentionally damage public property, such as a road sign. In these cases, your insurance will cover the necessary repairs.
No, as part of your professional activity, you must take out professional third-party liability insurance. It covers damage caused to third parties in the course of your business, whether physical, tangible or intangible.
Cover generally includes errors, omissions or negligence committed during your professional activity. Here are some of the situations covered by professional third-party liability insurance:
- Unsuitable advice causing harm.
- Material damage caused to a customer.
- Financial losses due to professional negligence.
It is crucial to choose a policy that is tailored to your specific needs, depending on your professional activity.
Yes, your children are covered by your third-party liability insurance, as long as they live in the same household.
However, it is important to check the details of your contract. Some contracts may include age limits or specific conditions. For example, an adult child still living under your roof may be covered up to a certain age.
In case of doubt, contact your insurer for details of the cover and exclusions specific to your policy.