December 2, 2023

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What Is Personal Liability Cover In Travel Insurance?

3 min read
Personal Liability in Travel Insurance | Fast Cover

Regarding holiday insurance, what exactly does ‘personal liability’ mean?

Most of us long for the opportunity to see the world. There is plenty of reasons to take a trip, but we should also be prepared for anything evil. Travel insurance coverage will pay you if something wrong happens during your trip. Further, a comprehensive travel insurance international policy will protect you if you accidentally cause harm to a third party or their property.*

Comprehending the Concept of Individual Responsibility

In cases when another party holds you responsible for their financial losses or physical injuries, you must pay for those damages out of your pocket. You may avoid taking personal responsibility for their financial losses by finding a legally binding resolution to the conflict if you do not believe your actions directly caused those losses. Accidents happen everywhere, making anyone vulnerable to personal liability. If you’ve prepared for this before your trip by purchasing an adequate travel insurance international policy, you’ll have much less to worry about.*

Risk of Injury to Oneself When Traveling

Your peace of mind may be disturbed if a third party, especially when you are abroad, claims you are responsible for their damages. Because of your lack of familiarity with local legislation, you risk incurring substantial debt or, even worse, being formally taken to jail. *

That’s why including a personal liability section in your medical insurance for travel policy is crucial. Protect yourself from the financial fallout of personal liability costs with the help of travel insurance, which includes personal liability coverage. As a customer, knowing that your travel insurance company will handle all communications with the other party is comforting.*

The Workings Behind Insurance for Individual Trip Risks

Nevertheless, more than simply including a personal liability clause in your travel insurance policy is required. The procedures you must follow during such an accident while travelling must be thoroughly ingrained in your mind.


First, if a third party has filed a claim against you, you must establish beyond a reasonable doubt that the claim is groundless and not the consequence of any wrongdoing on your part. A claim filed against you is valid if you wilfully damaged another person’s property. Hence, check if the third party’s claim is false and if you are not at fault.


The second step is to contact your insurance company first and foremost. The insurance company may ask you for details and paperwork related to the occurrence.


Your third step is to give your travel insurance company permission to act as your representative in any official procedures with the third party once they have verified the accuracy of the information you provided.


In the fourth step, you can expect to be reimbursed by your travel insurance company for any out-of-pocket expenses. The parties may devise a compromise outside of court by discussing things. You must always provide your insurance company with your full cooperation, as they are acting in your best interest.


Fifth, if the third party accepts the amount negotiated in out-of-court settlements, your insurance company will pay that amount without you having to pay anything out of pocket. Nevertheless, the travel insurance company will not pay for further costs that may accrue if you pursue legal action. In this case, the responsibility will rest squarely on your shoulders.


When you buy a travel insurance policy, you should always include personal liability coverage as a standard component of its offerings. But, you need to be aware that it will only work in your favour if the third party’s claim against you is invalid and if you have not intentionally caused any damage to the other party.

*Standard T&C Apply

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

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