Page 72 - Hollard Namibia – Motor & Household Policy Wording

Personal Liability
What we cover you for
General Personal Liability
Accidental death, bodily injury or illness
We cover you for accidental death, bodily injury or illness sustained by third parties anywhere in the world.
Accidental loss or damage
We cover you for accidental loss or damage to third party 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
In the home you are renting
If you are renting the home you live in (i.e. you are a tenant), we cover you for the following instances of personal liability towards the property owner:
o damage to the building caused by an insured event specified under Household Contents;
o damage to fixed sanitary-ware (for example, the bath or washbasin) or fixed glass (for example, windows or
mirrors);
o damage to water, gas, sewerage, electricity or telephone connections to the building or outbuildings.
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:
o loss or damage to their property;
o bodily injury or death.
This cover overrides any exclusion around domestic workers that may feature elsewhere in this policy.
Property Owner’s Liability For the home you own
If you own the home you live in, we cover you for the following instances of personal liability: o loss or damage caused by an insured event specified under the Buildings Section;
o death, bodily injury, loss or damage that arises directly out of your ownership of the house specified under the Buildings Section.
Towards your domestic worker
If you are the owner of the house, we also cover you for the following instances of personal liability towards your domestic worker, provided that these arise out of their employment:
o loss or damage to their property;
o bodily injury or death.
This cover overrides any exclusion around domestic workers that may feature elsewhere in this policy.
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