EVENTS
Legal liability
COVERED
What policy covers legal liability?
What’s covered
There are differences in cover for your legal liability depending on whether you have home or contents cover.
Home legal liability
If you have home cover, we cover your legal liability to pay compensation for death of or bodily injury to other people (not you), or loss or damage to their property, resulting from an incident which happens during the period of insurance in connection with either:
- you owning or living in the home, and the incident and death, injury, loss or damage occurs wholly within the boundaries of the insured address
- a jetty or pontoon either:
- located within the boundaries of the insured address
- where part of its structure begins or terminates on the insured address or is on government owned land adjoining the insured address, and the jetty or pontoon is for your use.
Contents legal liability
If you have contents cover, we cover your legal liability to pay compensation for death of or bodily injury to other people (not you), or loss or damage to their property, resulting from an incident which happens anywhere in Australia or New Zealand during the period of insurance if the incident is any of the following:
- unrelated to your ownership of the home, unit, or land at the insured address
- you own and/or occupy the unit at the insured address and your legal liability isn’t covered under a building or strata policy which covers that unit
- a jetty or pontoon either:
- located within the boundaries of the insured address
- where part of its structure begins or terminates on the insured address or is on government owned land adjoining the insured address, and the jetty or pontoon is for your use
- resulting from fixtures attached to the insured address and that you’re legally responsible for under a rental agreement.
Additional legal liability cover for a new vacant block of residential land
We’ll also cover your legal liability to pay compensation for death of or bodily injury to other people (not you), or loss or damage to their property resulting from an incident which happens during the period of insurance on a vacant block of residential land in Australia.
Note this is only a summary of cover details. Conditions and exclusions apply. For more information on what is and what is not covered under ‘Legal liability’, please read the relevant Product Disclosure Statement.
Additional cover for your block of land when the home was damaged
We’ll also cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property resulting from an incident which happens at the insured address during the period of insurance.
Note this is only a summary of cover details. Conditions and exclusions apply. For more information on what is and what is not covered under ‘Legal liability’, please read the relevant Product Disclosure Statement.
Legal costs
We also cover your associated legal costs for a claim against you that is covered. We need first to agree to pay the legal costs before they are covered.
Limits
The most we will pay for all claims from any one incident for legal liability covered by our policy is $20 million, including all associated legal costs. Conditions and exclusions apply. You can find more information on this policy in the Product Disclosure Statement.
What’s not covered
We do not cover legal liability for or caused by, connected with or arising from certain things including the following:
- Agreements you enter into (unless the liability would have existed had you not entered into agreement or contract)
- Exposure or potential exposure to asbestos
- Aerial devices, drones, and other autonomously piloted aircraft
- Legal actions or claims brought against you in countries outside Australia or New Zealand
- Death or injury of your employees or damage to their property
Other exclusions, limits and conditions apply. You can find the entire list of exclusions and other details in the Product Disclosure Statement.