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Insurance: Third party liability & home contents

Third party liability insurance:

In the Netherlands, you are liable by law if someone suffers damage
through a mistake or accident you cause. This means you must compensate
the other person for the damage suffered. A personal liability insurance
(‘Aansprakelijkheidsverzekering’ AVP) covers this.

This AVP covers almost all damage for which a private individual can be
held liable, regardless of how the incident in question occurred. The
costs of damages can be quite considerable e.g. the medical costs of a
victim from an accident you might cause. An AVP will also cover any
damage your child or pet might cause to someone else’s property. Damage
caused by motor vehicles, e.g. through a collision, is not covered by
the AVP.

Home Contents Insurance:

(“Inboedelverzekering”) Fire and theft can cause unforeseen damage and
expenses but you can take out an insurance against these situations.
With a home contents insurance, your personal possessions in your
apartment/room are insured against, for example burglary, fire or water
damage.

It is important to make sure you have proper coverage. The contents of
your house must be insured at replacement value. If your coverage is too
low, the insurer will pay out less, even for minor damage. This will
entail that the insurance money is insufficient to replace the old
articles with new ones.

What to do after a burglary:

Call your insurance company.

Make a declaration of the burglary at the police.

The insurance company will sent an expert to check if there are traces
of a burglary.

Make a list of what is missing and the value.

Search for tickets of the personal possessions that are missing.

Debit / credit card loss or theft:

Immediately report loss or theft of you debit / credit card to your
bank. The numbers below are available 24/7. Your debit and/or credit
card will then be immediately blocked, so others can’t abuse it. Make a
note of the correct number in you mobile phone or agenda.

Debit Card:

  • ABN AMRO (Netherlands): 0900-0024
  • ING Bank: 0031-(0)58-2126000
  • Rabobank: 0031-(0)499-499112
  • Other banks (Netherlands): 0800-0313 (free)
  • Other banks (abroad): 0031-(0)30-2835372

Non-bank Visa Cards and MasterCards:

  • 0031-(0)20-6600611
  • PaySquare Cards: 0031-(0)30-2835555