Benefit 18: Personal Liability

The Personal Liability benefit provides cover for expenses incurred in the circumstances as explained below.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

• You must not admit fault or liability for the claim, or incur any legal costs without Our prior written approval.

We will pay

• Your legal liability You are required to pay because of a legal claim against You, up to the limits set out in the Benefit Summary above, for payment of compensation in respect of:
  • Someone else’s death or Injury; and/or
  • The physical loss of, or damage to, someone else’s property
  which is caused by an accident or a series of accidents attributable to one source or originating cause that occurs during Your Trip.
• Your reasonable legal expenses, up to the limits set out in the Benefit Summary above, for settling or defending the above legal claim made against You where the legal claim is covered by the Policy.

We will not pay

If the claim Arises out of or is for:

• Injury to You, Your Travelling companion, or to a Close relative or employee of either of You.
• Damage to property belonging to You, or in Your care or control, or belonging to, or in the care or control of, Your Close relative, or Your Travelling companion, or to an employee of either of You.
• An unlawful, wilful or malicious act by You.
• The ownership, custody or use of any mechanically propelled vehicle or self-propelled vehicle, including but not limited to any motor vehicle, motorcycle, moped or scooter, quad bike/Recreational all-terrain vehicle, jet ski, motorboat, hoverboard, hovercraft, Segway, bicycle, electric bicycle, or power assisted bicycle.
• The ownership, custody or use of any firearm or weapon, aerial device, or watercraft.
• The conduct of a business, profession or trade.
• Any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under workers’ compensation legislation, an industrial award or agreement, or accident compensation legislation.
• Any fine or penalty or aggravated, punitive, exemplary, liquidated damages and any other damages resulting from the multiplication of compensatory damages.
• Disease that is transmitted by You.
• Any relief or recovery other than monetary amounts.
• A contract that imposes on You a liability which You would not otherwise have.
• Assault and/or battery committed by You or at Your direction.
• Conduct intended to cause Injury, property damage or liability with reckless disregard for the consequences of You or any person acting with Your knowledge, consent or connivance.
• For more than the applicable limits set out in the Benefit Summary above.
• Operation of a Drone.

Please also read General Exclusions that apply to all benefits.