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 Product Disclosure Statement (PDS) including Policy Wording. 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 to 5pm NZDT/NZST on 0800 800 571.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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