Personal Liability

The policy covers the costs incurred for which you are legally liable if, due to your negligence, you cause a loss or damage to property. The property cannot be owned by you, a member of your family or travelling party nor can it be in your or their custody or control. Personal Liability also covers you when you are found legally liable for causing injury to a person who is not a member of your family or travelling party. Please note that there is no cover for claims arising from -

• your trade, business or profession

• injury to an employee arising out of or in the course of their employment by you

• an unlawful, wilful and malicious act

• your ownership, use or possession, even as a passenger, of a mechanically propelled vehicle, aircraft or watercraft

• you passing on an illness or disease to someone else

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.