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Know How Personal Liability Cover Works in a Foreign Land

Published On Aug 27, 2019 12:00 AM By Sakshi Aggarwal

Traveling to different parts of the world is a great way of getting exposure. But when in an unfamiliar land, you may sometimes land in a troublesome situation. For instance, you may get involved in an accident thereby being responsible for the bodily and/or property damage. And you would want to find an immediate way out of the situation as you could land in significant debt otherwise. Here, a comprehensive coverage under the right travel insurance plan proves to be a savior for you. Thus, an important thing to consider before putting your foot in the foreign world when traveling is Personal Liability Insurance.

Personal Liability Insurance gets you covered against the third-party damages. Simply put, the payment here is not made to the insured individual, but to the party bearing loss because of the ‘unintentional’ damage caused by the insured. The insurance company pays up to a specific amount for injury, loss or damage that the insured individuals happen to cause while traveling. 

However, not all the conditions are covered under the personal liability state. Some of the exclusions are listed below-

  • Cases of transmission of disease
  • Cases where expenses arise due to alcohol or drug use/abuse/misuse
  • If the claim is made by an insured person who is in relation with, a colleague of, or a travel companion of the other person
  • Animals or pets belonging to you
  • An unlawful act or misuse of weapons 

Personal liability cover is a must to secure yourself from unforeseen medical costs that may incur due to accident and also save you from being liable to the third party in case you harm them physically or cause any damage to their property. 

A lot of insurance companies offer personal liability insurance in their comprehensive travel plan. Some prominent names include Religare, which offers a personal liability cover of up to 50% of the total coverage limit, Apollo, HDFC, Bharti AXA, Digit, SBI, and TATA AIG. All the mentioned companies offer reliable personal liability cover.  

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