{"type":"document","data":{"id":"dde58d9d-29d4-4fc5-a2ea-7ca832b1f615","localeString":"en-GB","publishDate":"2026-04-09T07:00:20.473+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Liability insurance is not mandatory, but sometimes it is wise, for example if you have young children. Read more here."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Every year, every Dutch citizen spends hundreds of euros on insurance . Some are mandatory, such as basic health insurance (medical expenses), civil liability insurance for your car and buildings'insurance (often this is required by the mortgange lender upon purchase of a private home). But for the rest: always make a good assessment beforehand what you do and do not want to insure.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/7421e3be-bda0-40de-9e0c-55fc57281c28/high-angle-view-of-man-sitting-in-boat-on-lake","type":"image","width":6240,"altTextNL":"\"\"","original":"https://assets.ing.com/m/320a5ce5f0039992/original/high-angle-view-of-man-sitting-in-boat-on-lake.jpg","extension":"jpg"},"title":"When does a liability insurance make sense?","subtitle":"Damage that you accidentally cause"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What do you insure when?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>That&apos;s always good to find out. An accident is in a small corner and the consequential damage can be very large. Think of your shopping cart that you accidentally let go, causing it to roll onto the road and hit a cyclist.  Or your child or dog accidentally crossing the road, forcing a car to swerve and drive into another car. Minor damage is also insured. Think for example of a football through the window of the neighbors or damage to a car by a children&apos;s bicycle.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"What's a liability insurance?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>A liability insurance compensates for damages that you or a family member accidentally causes to others. But even if someone is injured because of your fault, you can be held liable for it. If you have to pay for these damages, a liability insurance offers cover.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Apply for a Liability Insurance"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>A liability insurance costs you, depending on your family composition, only a few euros per month.</span></span></span></p>"}},{"componentType":"cta","textLink":{"url":"/en/personal/insurances/liability-insurance/apply-for-liability-insurance","text":"Calculate your premium"}},{"componentType":"linkList","iconTitle":{"title":"Liability Insurance via ING"},"textLinks":[{"url":"/en/personal/insurances/liability-insurance","text":"ING Liability Insurance"},{"url":"/en/personal/insurances/liability-insurance/liability-insurance-for-pets","text":"Liability insurance for pets"},{"url":"/en/personal/insurances/liability-insurance/make-liability-insurance-claim","text":"Submit a claim"}]},{"componentType":"paragraph","title":"You choose, we handle it","richBody":{"value":"<p>With ING, you can easily take out insurance, manage it, and report claims via the ING app or My ING. ING acts as your authorized agent and acts on behalf of insurers. We assess insurance applications, collect premiums, and ensure smooth claims processing.</p>"},"textLinks":[{"url":"/en/personal/insurances/managing-general-agent","text":"Learn more about our role as a power of attorney and who we work with."}]}]}}}