Optional Personal Liability & Legal Expenses
Situations in hostile environments are, by their very nature, unpredictable, and you may be unfortunate enough to get involved in an accident that results in a an injury or damage to property.
In such cases the Optional Personal Liability & Legal Expenses available on the High Risk Voyager Travel Insurance product could be invaluable if a third party sues you for accidental damage to the property or accidentally injuring them. Conversely, if you are the injured party and intend to sue a third party for the injury or illness you have sustained from the accident, or damage to your property, this additional option can protect you against the legal expenses incurred up to the policy limit.
Does Travel Insurance Cover Personal Liability & Legal Expenses?
What you may be shocked to discover is that not all travel insurance policies for high-risk destinations will include cover for both personal liability and legal expenses, whereas some providers may even exclude them from their travel cover. Therefore, it is vital to check your Travel Insurance policy prior to travelling.
Here at High Risk Voyager, you can get travel insurance with personal accident and legal expenses quickly and easily. Just select the Personal Liability & Expenses Option in the quote process to add this to your High Risk Voyager Travel Insurance.
The Personal Liability & Legal Expenses Cover add-on is available on the following policies...
What is Covered on High Risk Voyager Enhanced Personal Liability & Legal Expenses Cover?
Below is a brief explanation of what is covered on High Risk Voyager Travel Insurance with personal liability and legal expenses cover. However, you should always refer to the High Risk Voyager Travel Insurance Policy wording for full cover limits, terms, conditions, and exclusions.
| Applicable to both levels of cover | Excess | ||
| F1 | Personal Liability Injury to person Damage to property |
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| F2 | Legal Expenses and Assistance | £10,000 | £250 |
Note: The table above is only a summary of the cover. The sections of “Personal Liability and Legal Expenses cover” are explained in more detail below. However, you should always refer to the policy wording for full travel insurance cover terms, conditions, and exclusions.
Enhanced Personal Accident Cover Option Explained
Personal Liability
Our Public Liability and Legal Expenses Cover option will pay up to the sum insured shown in the Optional Benefits and Excesses Table should you be liable for:
- Accidental bodily Injury, including death, Illness, and disease to third parties
- Accidental loss of or damage to their physical property
Legal expenses & assistance
By adding the Public Liability and Legal Expenses Cover option to your policy will pay up to a cost of up to £10,000 in respect for the fees, expenses, and other disbursements incurred by a legal representative in:
- pursuing a claim or legal proceedings for damages and/or compensation against a third party who has caused you to sustain an injury or illness
- appealing or resisting an appeal against the judgement of a court tribunal or arbitrator
This option will also include the costs that you are legally liable for following an award of costs by a court or tribunal or an out-of-court settlement made in connection with any claim or legal proceedings.
You should always refer to the High Risk Voyager Travel Insurance Policy wording for full cover limits, terms, conditions, and exclusions.
How Do I Get Travel Insurance With Personal Liability & Legal Expenses Cover Quote?
It’s quick and easy to get a quote for travel insurance with personal liability & legal expenses cover. Simply click the ‘Get a Quote’ button and don’t forget to select the personal liability & legal expenses option on the 'Your Quote' page to add it to your High Risk Voyager policy.
