Personal and Family Liability Insurance in Iran
For parents, legal guardians and households liable for damage caused by minor children and everyday incidents.
Persian twin page (authoritative): /liability/public/individuals-family
Short answer
Personal and family liability insurance in Iran compensates third parties for bodily and property damage caused by minor children under the guardian's supervision and by everyday household incidents, including diyeh and legal defense costs, up to the policy limit; it is one of the most affordable liability covers for Iranian households.
The final premium is issued upon official quotation — no premium figures are published on this site.
Who needs this policy?
- Parents and legal guardians of minor children
- Court-appointed guardians and legal custodians
- Households liable for everyday damage caused to third parties
- Supervisors of school trips and group children's activities, where expressly scheduled
- Tenants and urban and rural households, with no occupational restriction
What is covered?
| Coverage | Description |
|---|---|
| Third-party bodily injury | Compensation of diyeh and medical costs of persons injured by the improper acts or keeping of minor children, on the diyeh schedule of the incident year. |
| Third-party property damage | Compensation of damage to neighbors' and third parties' property caused by children under supervision. |
| Legal defense costs | Attorney fees and court costs in lawsuits brought against the guardian, even in dismissed claims. |
| Home and public spaces | Cover of incidents occurring in the house, the shared yard, children's play areas and passages, under the general conditions. |
| Bicycles and play equipment | Damage caused by children with bicycles, scooters or play equipment to third parties, excluding the guardian's knowing breach. |
What is not covered? (Exclusions)
- Deliberate acts of adult children with legal capacity
- Damage to family members and dependents of the insured
- Damage from the guardian's knowing neglect of regulations, such as lending a vehicle to a person without a license
- Claims arising from the insured's business and professional activities
- Events occurring outside the policy period
- Intentional crimes and documented violations of the insured
Issuance conditions
- Accurate declaration of the number and age of the children at issuance
- Immediate notification of the event within the policy deadline, up to five working days
- No undisclosed claims from previous policy periods
Required documents
- National ID and identity documents of the insured and family members
- Birth certificate of the children under supervision
- Guardianship decree or legal custodian documents, where applicable
- Latest liability policy, for the no-claims discount
- Event documents and the claim file after the incident
How to buy — step by step
Quotation and family details
Submit the quote request; the number and age of the children and the desired limit are declared.
Documents and official proforma
After the identity documents are received, an official proforma invoice is issued on the approved Bimeh Iran rates.
Premium payment
Pay through the banking gateway or a bank receipt; cover starts the moment issuance is confirmed.
Policy delivery
The printed and electronic policy with its general conditions is delivered within one working day.
How to claim — step by step
Immediate notification
Report the event to the agency within the notification deadline, up to five working days under the policy.
Claim form
Complete and sign the claim form describing the event, the child involved and the damage caused.
Case documents
Submit the family identity documents, photographs of the damage and the claimant's certificates.
Assessment of guardianship fault
The adjuster examines the guardian's excess or neglect in custody under the Civil Code and establishes responsibility.
Agreement and payment
Once liability and the amount are established, compensation is paid subject to the policy deductible.
Claim notification deadlines and assessment details follow the policy general conditions and the Iranian Insurance Act (Article 30 practice: notification within five working days).
FAQs — Personal & Family Liability Insurance
Legal sources
Islamic Penal Code — minors' responsibility — Article 206 — age thresholds of criminal responsibility
Civil Code of Iran — Articles 328 to 335 — guaranty of persons under custody
Civil Liability Act of Iran (1960) — Articles 1 to 11 — fault-based civil liability
Iranian statutes are authoritative in Persian; English titles above are orientation references.
Reviewed by the Iran Liability Insurance content team
Reviewed by the licensed team of Agency No. 20616 of Bimeh Iran, specialized exclusively in liability insurance.
Legal review: licensed team of Agency No. 20616, Bimeh Iran — Last reviewed: 24 October 2026
Get Personal & Family Liability Insurance through the official Bimeh Iran agency
The online quote form is in Persian. English-speaking visitors may submit inquiries by email in English, and a consultant will respond in English. The quotation is issued on current Bimeh Iran tariffs after the limit of liability is agreed.