When you cause damage to someone else, you must compensate them. A family insurance or family policy compensates the victim for damage caused by you, one of your family members, one of your animals or your home.
Suppose you hit a pedestrian with your electric scooter . Or your toddler "decorates" your neighbor's expensive curtains with marker. You help friends move and break a valuable statue in the process ... Whether the damage is material or bodily, you are liable for it.
This is not mandatory insurance, but we strongly recommend you get one. The premium is quite low, while the costs - even for a small claim - can add up quickly.
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Disclaimer
This page is part of a lexicon and does not provide product information or contractual details on insurance services. For specific information, please refer to the official documentation or contact your insurance agent.