What types of liability are covered with Allianz contents insurance?
If you’re to blame for accidental injury or damage (personal liability)
We’ll cover you if you’re to blame for accidental injury or damage anywhere in the world. This means you’re insured as an individual but not for anything that happens while you’re at work. So, if you accidentally hit someone with your back swing when you’re playing golf for fun, you’re covered. But if someone else was paying you to teach them to play, you’re not.
If something happens in your home
We’ll also cover you if you caused injury or damage and you’re considered responsible because you live in the home where it happened. We call this occupier’s liability insurance.
We’ll pay for:
- compensation a court tells you that you have to pay
- legal costs and expenses for the other person (or people) involved if a court tells you that you have to pay them
- your legal costs and expenses when a claim is made against you
If you’re in temporary accommodation
After you’ve made a claim, we might arrange somewhere for you to stay while we get your home back to normal for you. If we do, we’ll extend your occupier’s liability insurance to cover your temporary accommodation.
If you employ someone to work on your home (employer’s liability)
Say you decide to pay someone like a cleaner or gardener to help you take care of your home. If they get injured while they’re cleaning, gardening or doing whatever you’ve paid them to do, we’ll cover the amount a court tells you that you have to pay.
If you rent your home (tenant’s liability)
If you rent your home, your landlord might have made you responsible for damage to their property in your contract with them. We’ll cover the cost if the damage is caused by:
- fire, lightning, explosions, earthquakes and smoke
- storms or floods
- water leaking from pipes, water tanks, washing machines, dishwashers and radiators
- oil leaks
- theft or attempted theft
- aerials, solar panels, wind turbines or masts breaking or falling down
- aircraft and anything that gets dropped from them
- accidental breakage of kitchen sinks, bathroom suites and glass in doors, windows and ovens, including double glazing
- accidental damage to underground pipes or underground electricity and telephone cables, which connect your home to the public supply
If you’re owed legal costs or compensation (unpaid court judgements)
If it’s you who’s been hurt or your things that have been damaged, a court might order the person who caused it to pay you compensation and cover your legal costs. If this happens and they still haven’t paid you after three months, we’d hate for you to be out of pocket, so we’ll pay you this money instead. Then we’ll get the money back from the person who should have paid you.