I am liable for damage that is the direct result of a failure attributable to me.
My liability goes no further than what my liability insurance pays out in that case, plus the excess I bear myself. If that insurance pays nothing out, for whatever reason, my liability is limited to the invoice amount of the assignment concerned, with a maximum of € 2,500 per event.
This limitation does not apply in the case of intent or deliberate recklessness on my part, nor in the case of death or injury. The law simply applies there.
Of my own accord I take on two things I am not obliged to. If damage arises through my doing, I bear your excess up to € 500 per event. If you are a private client and that costs you no-claim years, I compensate that loss up to € 1,500. The two stand alongside each other and fall within the maximum above. The calculation of that loss is based on the premium and the conditions that apply to your policy at the time of the event.
I am not liable for consequential loss — lost profit, a missed event, a running lease instalment, a missed appointment — except in the case of intent or deliberate recklessness.
A fine incurred during my drive is mine to pay. If you, as the registered keeper, receive such a fine at home, forward it to me and I will pay it. This is separate from the limits above.