Personal liability cover

If you have an accident overseas and become liable for damages, compensation and legal expenses, the cost for yourself and your family can be high.

Whether it’s damage to property, or you are responsible for the injury of another person, we provide cover for up to $1,000,000 for eligible claims under the personal liability section of our policy.


Important conditions

  • If the unexpected happens and you feel that you might be liable, it’s important that you do not admit fault or liability to any other person without our written consent first.
  • Legal liability must be established in either a New Zealand court or in a court in the country where the event occurred.
  • There are some scenarios where we would not be able to pay your claim, for example, if the event relates to the use of motor vehicles, legal costs resulting from criminal proceedings or injury to members of your immediate family.

Please read the Policy Document for a full list of what is and isn’t covered.


Who do you call?

If you become liable for an incident overseas, remember to stay calm. Our Worldwide Emergency Assistance Team is available 24 hours a day, 7 days a week on +64 9 359 1600.

If you’re calling from New Zealand, you can reach us Monday – Friday, 8.30am – 7.00pm NZST/NZDT on 0800 800 571.


What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the travel insurance Policy Document.