Section 5B – Personal Liability can provide cover if you become legally liable to pay compensation following an accidental event during your trip.
Cover is available up to the amount shown in your Table of Benefits and can include eligible legal costs and expenses.
Cover can apply if you become legally liable following accidental:
Injury.
Death.
Illness.
Disease.
to another person.
The person must not be:
Employed by you.
A close relative.
Someone who lives with you.
Cover can also apply if you become legally liable for accidental loss of or damage to property that:
Does not belong to you or a close relative; and
Is not in the charge of or under the control of you, a close relative or anyone you employ.
An exception applies to temporary holiday accommodation that you occupy but do not own.
If an incident happens that could result in a Personal Liability claim:
Tell the insurer as soon as possible.
Send on any court claim form, summons, letter of claim or other legal document as soon as you receive it.
Do not admit liability.
Do not pay, offer or promise to pay anyone without written permission.
Do not negotiate or settle the claim yourself.
Provide any information and assistance reasonably required.
The insurer is entitled to take over and manage the defence, negotiation or settlement of the claim in your name.
The policy does not cover compensation or legal costs arising directly or indirectly from:
Liability you have accepted under an agreement, such as a hire agreement, unless you would have been liable without that agreement.
Your business, trade, profession or occupation.
The supply of goods or services.
Ownership, possession or use of mechanically propelled vehicles.
Aircraft.
Watercraft, except surfboards or manually propelled rowing boats, punts or canoes.
Transmission of a contagious or infectious disease or virus.
Your ownership, care, custody or control of an animal.
Any claim where the incident occurred within the UK.
The general exclusions applying to the policy also apply.
No.
Personal Liability does not cover claims arising from the ownership, possession or use of mechanically propelled vehicles.
This means the Personal Liability section should not be relied upon as third-party motor insurance when driving or riding abroad.
Depending on the circumstances, you may be asked to provide:
Your tour operator's booking invoice or other evidence of your trip.
Any claim form, summons or other legal documents you receive.
Information and evidence relating to the incident.
Any other reasonable information or assistance required to deal with the claim.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
