Personal liability insurance coverage
Travel is rewarding, about making memories and having fun. However, accidents happen, and you could be deemed responsible for causing harm or damages. Discover more about our personal liability insurance benefit below
GET A QUOTEPersonal liability insurance benefits with WAS
You never think that you’ll be to blame for damages. But unfortunately, these things can happen while abroad. If you find yourself in a position where you’re legally liable to pay compensation for damages or injuries, you want all the help you can get. That’s where a personal liability insurance policy can help reduce financial worries at an already emotionally strained time.
Other benefits
Does WAS Insurance include a personal liability benefit?
At WAS, we offer various tailored insurance plans to suit each traveller’s needs. Almost all of our policies will include a personal liability benefit.
What’s included in our personal liability coverage?
Our personal liability travel insurance provides coverage for legal expenses and any resulting judgments or settlements up to $2,500,000. This covers you in the event that you are found legally responsible for bodily injury or property damage to someone else while travelling. This insurance benefit can help protect your assets, including your home, savings, and investments, from being seized to pay for legal judgements.
Why might I need personal liability insurance?
Personal liability insurance can be especially important if you are traveling internationally, as the laws and legal systems in other countries can be very different from those in your home country.
For example, if you are involved in a car accident while traveling abroad and are found to be at fault, your personal liability insurance can help cover the cost of any damages or injuries that you are held responsible for.
These situations can already be immensely stressful. The last thing you want to think about is the possibility of escalating legal costs during a trip. That’s where having the right level of personal liability coverage can offer you some peace of mind.
*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.
Personal liability coverage can’t account for everything
It’s important to understand the intricacies of your policy and we want to be transparent about the coverage that personal liability insurance provides. There are some instances that our personal liability plans wouldn’t offer protection.
These include:
- Liability toward your family and travelling party unless they’re listed on the policy
- Liability stemming from wilful or malicious acts
- Liability arising from the use of waterborne or mechanically propelled vehicles
At WAS, we provide policies that meet the unique needs of every traveller.