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SECTION 11

PERSONAL LIABILITY

Covered

You are covered up to [click here] for legal expenses and legal liability for damages incurred by you which are caused by an accident that occurred during your trip, leading to a claim 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, is not in the charge of, and is not in the control of you or any member of your family, household, any travelling companion or employee (except hired wheelchairs);
3. loss of or damage to your temporary holiday accommodation that does not belong to you, or any member of your family, household, any travelling companion or anyone employed by you.

Conditions

1. No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by you without our written consent.
2. 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.
3. You must, wherever possible, provide all such information and assistance as we require.

Not Covered

1. fines imposed by a Court of Law or other relevant bodies;
2. anything caused as a consequence of:
    a. liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
    b. injury, loss or damage arising from:
      i. ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals or firearms;
      ii.the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings;
      iii.the carrying out of any trade, profession, manual work or hazardous occupation;
      iv.racing of any kind;
      v.any deliberate or criminal act;
3. liability as an employer or under any other contract or insurance policy;
4. anything listed in "Exclusions applicable to the whole policy".