Personal Liability

• What Is Personal Liability?

• Personal liability is one of the benefits we have that cover your legal liability for payment of compensation in respect of death or bodily injury, and/or physical loss of, or damage to property. 
  
  We will also reimburse your reasonable legal expenses for settling or defending the claim made against you. You must not admit fault or liability for the claim, or incur any legal costs without our prior written approval. 
  
  Please note that we do not offer personal liability cover whilst you are in ownership or in control of a motor vehicle, motorbike or scooter, and we don’t replace any aspect of car insurance. 
  
  Our Comprehensive, Domestic and Frequent Traveller policies do, however, offer cover for Rental Vehicle Excess.
  
  For the full terms of the Personal Liability benefit please refer to our Policy Wording. 

• Do you cover personal liability whilst I’m driving?

• Our personal liability benefit does not extend to cover you whilst driving a car or riding a scooter/motorcyle. We do not replace any aspect of car insurance. Please read the Policy Wording for full details on personal liability cover. 
  
  Our Comprehensive, Already Overseas, Domestic and Frequent Traveller policies do, however, offer cover for Rental Vehicle Excess. Please note that rental vehicle excess is not applicable to motorcycles or scooters. Please see the Policy Wording for complete details on rental vehicle excess.

• Do You Cover For Third Party Damages Or Third Party Liability?

• Our personal liability benefit is excluded if you're in control of any motor vehicle.
  However if your rental vehicle agreement, covers third parties and you have to pay an excess, then you may have a provision to claim for this excess amount if your policy covers Rental Vehicle Excess.
  
  To read about Rental Vehicle Excess click here.

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