Our guide to personal liability cover
Get a quote nowPersonal liability cover is a type of insurance that covers third-party claims
Personal liability cover is a type of insurance that covers third-party claims. Personal liability is included in standard travel insurance policies and pays up to a maximum specified amount. It is important to check whether this type of insurance is covered in your standard travel insurance before you go on holiday or travel so that you can make sure that you are covered. This insurance covers costs for damages, loss or injury to someone to their property which is caused by you while you are travelling.
What does personal liability insurance cover?
If you unintentionally injure someone or damage their property while you are abroad, personal liability cover will pay for it. An example of a case where you would be covered for personal liability is in the event of a car accident which occurred while driving on your holiday or trip. Personal liability would cover damages to the other vehicle if the accident were caused by a fault of your own. Some travel insurance plans cover legal expenses for settling the claim against you, this could end up saving you a lot of money in the long run.
What does personal liability insurance not cover?
Personal liability cover does not pay out or cover damages in situations where you intentionally damaged something or caused injury to someone else. Other specific exclusions from the personal liability benefit include damages cause by committing an illegal act, damage caused by neglect, non-monetary claims and injury or damage related to your profession or personal business.
How to claim from your personal liability benefit
If a third party has made a claim against you, the first think you need to do is inform your insurance company. You should not admit liability for the claim or attempt to settle before notifying your insurance. Your travel insurance company should then take over and conduct formal proceedings on your behalf. The insured person needs to consent to the claim being settled. If the insured contests the settlement or continues to pursue further action, the insurance company will not pay over the maximum benefit amount and the excess liability will fall on the insured individual.
If you are planning on travelling, getting a plan which includes personal liability could save you a lot of stress and money in the long run. You can quickly compare travel insurance packages on Compare Insurance and make sure you are covered for any unexpected events or expenses while you are away from home!
In this article
What does personal liability insurance cover?
What does personal liability insurance not cover?
How to claim from your personal liability benefit
Our top travel insurance guides / articles
View all travel insurance guides
Different Travel Policy Types
Travel insurance is designed to protect you and your belongings against life’s unexpected events
Our guide on medical expenses cover
When you are traveling, an unexpected medical emergency is the last thing on your mind
Our guide on holiday cancellation insurance
Holiday cancellation insurance is a form of travel insurance that covers you if something unexpected happens
Our guide to personal liability cover
Personal liability cover is a type of insurance that covers third-party claims
Why is repatriation cover so important?
Repatriation cover is a benefit offered included in some travel insurance packages
Travel insurance over 60s
If you are over the age of 60 and have retired or have family living abroad
Annual multi-trip travel insurance
Annual travel insurance, otherwise known as multi-trip insurance, is a policy that provides cover for individuals who travel more regularly
Why baggage cover is important
Most standard travel insurance policies cover your baggage if it gets lost, stolen, or damaged while you are travelling
Single trip travel insurance
A single trip policy covers you for just a single holiday, from the time you leave home until the time you return
Worldwide Travel Insurance
If you are planning an international trip, one thing you should not forget to consider is worldwide travel insurance
Winter sports travel insurance for skiing holidays
Going on an adrenaline-packed skiing holiday is something exciting to look forward to.
Backpacker Travel Insurance
This type of insurance is essential for backpackers to ensure that their plans, possessions, and health is protected
Family travel insurance
This is a policy which typically covers one to two adults, plus at least one child
Why you should always declare your pre-existing medical conditions
There are an array of options out there for you
Are your gadgets covered on your travel insurance policy?
Gadgets such as cameras, mobile phones are laptops are often considered essentials for travelling
Travel insurance and pregnancy
It is generally advised that expecting mothers should not travel after 6 months of pregnancy
Travel insurance for cancer patients
Cancer patients can apply for travel insurance with standard insurance companies
Emergency Dental Cover
Dental costs can be expensive but if you have travel insurance you are sure to be covered
What does flight cancellation actually cover?
Depending on the policy, you could possibly claim in the case of sickness, injury, or death
What happens when you lose your passport whilst travelling?
What do you do if you do not find your passport?
Medical assistance cover whilst travelling
With travel insurance, most standard policies would include medical assistance while you are travelling
Extreme sports activities
If you are planning to go on an adventure holiday, participating in activities that insurers might deem as dangerous
Delayed Baggage
Travel insurance will help you travel with a sense of security – knowing you will be covered if some emergency arises
Trip Cancellation Insurance
Unforeseen emergencies can happen at any time like falling ill so you or your travel partner can’t travel or emergency hospitalisation
Legal fees when travelling
Most standard travel insurance policies offer to pay for your legal bills in case you cause injury to someone else
Terrorism cover when travelling
If your holiday destination is affected by an act of terrorism before you leave for your holiday – it’s possible you are able to cancel your trip
Extra cover for sports activities when travelling
Are you planning an activity-filled holiday for you or your family?
What if you were to get mugged when travelling?
Even the most vigilant and careful travellers can get pickpocketed or mugged.
How to make a travel insurance claim?
Here’s what you need to know to make claiming from your travel insurance policy a little bit easier
Emergency assistance
Travel insurance is made for the unexpected and to save you from huge medical bills while travelling
Flight delay
Most travel insurance policies provide cover as part of your standard policy for flight delays
What would happen if you lost your credit card when travelling?
Credit card fraud is not uncommon at all
Credit Card Fraud
If your credit cards get lost or stolen it could be devastating to your travel plans
Personal accident while on holiday? It’s better to have cover!
If an accident does happen on your trip you will have peace of mind
Golf cover and travel insurance
Many golfers travel all over the world to play the different courses in different countries
Car rental excess cover while travelling
A road trip might be your ideal holiday in an unknown destination but are you sure you have the right cover in case of an accident?
Flight overbooking
Always be sure that you check in on time so you would still qualify for compensation in the case of overbooking of a flight