PERSONAL LIABILITY INSURANCE (Aansprakelijkheidsverzekering)
One of the most inexpensive, and of the most important covers. Everyone is more or less expected to have this insurance.
It covers private liability for damage to persons, or animals or things belonging to third parties, up to a maximum, usually one or two million euros.
Everyday situations are accidents involving bicycles or pedestrians, red wine spilled over the white carpet at a friend's house, accidental damage in shops and at school.
Not all damage is insured. There are exclusions for motor vehicles, larger boats, and other objects you need to insure separately. And please bear in mind that if there is no liability, there is no coverage.