What does Personal Liability cover?
The Personal Liability section can cover compensation, legal costs and expenses up to the amount shown in your Table of Benefits if you become legally liable following an accidental event.
What types of claim can be covered?
Injury, illness or death
Cover can apply if you accidentally cause injury, death, illness or disease to another person.
The person must not be:
Employed by you.
A close relative.
Someone who lives with you.
Damage to property
Cover can apply for accidental loss of or damage to property that:
Does not belong to you or a close relative.
Is not in your charge or under your control.
An exception is made for temporary holiday accommodation that you occupy but do not own.
What must I do if someone makes a claim against me?
You must:
Tell us as soon as possible about any incident that could result in a claim.
Send us any court claim form, summons, letter of claim or other legal document as soon as you receive it.
Not admit liability, make or promise a payment, or negotiate a claim without our written permission.
Provide any information and assistance we reasonably require.
We are entitled to take over and manage the defence, negotiation or settlement of a claim in your name.
What is not covered?
There is no cover for compensation or legal costs arising directly or indirectly from:
Liability you accepted under an 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, other than 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.
An incident occurring within the UK.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.