Personal liability

12/06/2013 -- Mary Simpson
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If you accidentally injure someone or damage their property on holiday, personal liability can pay for compensation claims and legal expenses if they decide to sue you.

How much cover?

Most standard travel insurance policies offer £2 million for personal public liability claims.

What’s not covered

  • Claims by family members/employees
  • Damage to family-owned holiday property
  • Racing of any kind
  • Gun use (other than sport)
  • Deliberate criminal acts
  • Fines
  • Business activities
  • Manual work

NB   Many travel insurance policies won’t cover injuries or damage caused by any kind of vehicle owned or driven by you.

So whether it’s piloting light aircraft, touring in your car, riding a motorbike or jet ski, make sure you’ve got at least third party cover. 

Winter sports

You won’t be covered for personal liability if you injure someone while skiing off piste without a guide or ignore weather warnings not to ski.

Look out for exclusions on the type of winter sports you can do, e.g., Nordic skiing.