This insurance covers extra-contractual civil liability relating to the individual's private life. In concrete terms, it is the liability referred to articles 1382 to 1386 bis of the Civil Code and similar provisions of foreign law.
The contract must provide cover at least equal to that determined by the royal decree of 12 January 1984 determining the minimum guarantee conditions for insurance contracts covering extra-contractual civil liability relating to private life.
So read your contract carefully!
Pay attention to the following elements:
- do you have to pay an excess?
- Is there cover for minors in the of serious error?
- is a right of recourse stipulated?