Civil Liability Family

Accidents happen in an instant. A small mistake, a moment of distraction, or a playful pet can sometimes lead to major financial consequences. With Family Liability Insurance (Civil Liability Private Life), you’re protected against the costs of damage you or your family cause to others — both in Belgium and abroad.

What’s Covered?

This insurance doesn’t only cover damage you cause yourself, but also damage caused by:

• Members of your household
• Your pets
•  Domestic staff (nanny, babysitter, gardener)

Why it matters

While not mandatory, family liability insurance is strongly recommended. From children playing football to a runaway dog, the financial impact of even small accidents can be significant. And it’s not just for families with kids or pets — singles and seniors also benefit from the protection this insurance provides.

Everyday examples

• You collide with a parked car while riding your bike.
• A football lands in the neighbor’s window instead of the goal.
• Your shopping cart rolls away and damages another car.
• You trip at a friend’s home and accidentally break a valuable vase.
• Your dog runs into the street, causing an accident.
• A tree you cut down falls onto the neighbor’s fence.
• You cross the street without noticing a cyclist, who crashes while swerving.
• Your horse escapes and damages a neighbor’s garden.

Extra peace of mind

Many modern policies now also include bike assistance in Belgium. Whether it’s a flat tire or a crash that leaves your bike unusable, you can count on help — from roadside repairs to transport home.