Quite honestly, do you need personal liability insurance at all?
... you inadvertently injure other people or damage their property and do not want to pay the costs out of your own pocket.
… you rent, lease or own residential property and do not want to pay for losses incurred in the property yourself.
… you are responsible for items entrusted or leased to you, including keys to business premises.
… you want to insure yourself against losses you cause as a sports player or pet owner.
… you are already insured through a household member.
No small print: when does a personal liability insurance policy pay out, and when does it not?
… 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.
