Page 63 - Hollard Private Portfolio - Version 3.3

Personal liability
Dual insurance
If you have more than one insurance policy in place that covers you for liability for the same event, the full amount of the claim will be split proportionally between the different policies.
○ The cover you have under each policy will determine how we split the claim amount.
○ If you claim from us, you may not also claim from the other insurer, and if you claim from the other insurer, you
may not also claim from us.
○ If you claim from us, we may settle your claim in one of the following ways:
– We may pay the full claim amount to you and recover from the other insurer the part of the claim which they are responsible for.
– We may pay only our part of the claim to you and arrange with the other insurer to pay their part of the claim directly to you.
○ Whichever option we decide on, we will pay back the part of the premiums received which relates to the other insurer’s part of the claim, but only in respect of premiums received for three years prior to the date of the claim.
○ It is the other insurer’s responsibility to refund premiums you paid to them relating to our portion of the claim, and you will have to contact the other insurer directly for a refund.
What we cover you for
GENERAL PERSONAL LIABILITY
If you have Buildings or Household contents cover under this policy then you automatically get General Personal Liability
cover.
Accidental death, bodily injury or illness
We cover your liability for accidental death, bodily injury or illness sustained by third parties anywhere in the world.
Accidental loss or damage
We cover your liability for accidental loss or damage to property anywhere in the world.
Legal costs
As part of an insured event, we will pay for any legal costs recoverable from you or incurred with our consent.
TENANT’S PERSONAL LIABILITY
If you have Household contents cover under this policy then you automatically get Tenant’s Personal Liability cover.
In the home you are renting
We will cover your legal liability as a tenant towards the owner of your home, as far as it relates to loss or damage to property which you are responsible for under your rental or lease agreement.
You are not covered for the following:
○ Liability caused by fire or any other insured event against which you have to insure your home, under your rental or lease agreement.
○ Liability because you did not comply with the terms of any insurance policy covering your home, which resulted in the insurance claim being rejected.
Towards your domestic worker
If you are a tenant, we also cover you for the following instances of personal liability towards your domestic worker, provided that these arise out of their employment duties:
○ loss or damage to their property
○ bodily injury or death.
This cover overrides any exclusion around domestic employees that may feature elsewhere in this policy.
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