… you inadvertently cause third parties to suffer loss and damage, e.g. injury.
… you accidentally lose, damage or destroy items owned by third parties.
… third parties file unfounded compensation claims against you and you incur defence costs.
... members of your household (e.g. children) who are not included in your liability cover cause bodily injury or damage to property.
… you deliberately cause losses or intentionally commit an offence.
.… items used commercially or professionally are damaged.
… losses arise as a result of unforeseeable events such as war, terrorism, internal unrest or nuclear disasters.