Section E - Personal liability

What you are covered for

We will pay up to the overall limit shown on the Schedule of Benefits for all losses in the aggregate during the period of insurance as shown on your Certificate Validation Document, if you are legally liable for damages incurred by you which are caused by an accident that happened during the trip , and leads to claims made against you as a result of:

1. Accidental bodily injury to a person who is not a member of your family or household, a travelling companion, or employed by you ;
2. Loss of or damage to any property which does not belong to you , is not in the charge of, and is not in the control of you or any member of your family, household or employee;
3. Loss of or damage to temporary holiday accommodation that does not belong to you or any member of your family , household or employee.

NOTE: We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.

 

Special conditions which apply to section E

It is a condition of the cover provided under this section that:

1. You must give us notice of any cause for a legal claim against you as soon as you know about it and send us any other documents relating to any claim;
2. You must help us and give us all of the information we need to allow us to take action on your behalf; and
3. You must not negotiate, pay, settle, admit or deny any claim unless you get our written permission.

What you are not covered for

1. The first £150 of any incident. This applies to each insured person making a claim.
2. Fines imposed by a Court of Law or other relevant bodies.
3. Anything caused directly or indirectly by:
   1. liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
   2. injury, loss or damage arising from:
      1. ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, water craft (other than rowing boats, punts or canoes), animals or weapons or firearms
      2. the occupation (except temporarily for the purpose of the trip ) or ownership of any land or buildings
      3. the carrying out of any trade , profession or business
      4. racing of any kind
      5. any deliberate, criminal, malicious or illegal act
4. Liability covered under any other insurance policy wording.

NOTE: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered under this insurance.

Please read the general conditions, exclusions and Schedule of Benefits.

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