How travel insurance covers personal liability

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A guide to how travel insurance covers personal liability

Last updated March 26, 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

What is personal liability cover on travel insurance?

Say you’re overseas on holiday, and you cause damage to someone else’s property, injure another person or cause their death. Travel insurance could help cover the costs and legal expenses. While there isn’t a product called “personal liability travel insurance”, such cover is included in many travel insurance policies.

So, does travel insurance cover personal liability? Yes, it can. However, the amount of personal liability coverage you have under your travel insurance (i.e. the amount available to cover your costs) can vary between insurers and the type of policy you take out.

Always read your Product Disclosure Statement (PDS) to understand how you’ll be covered, and most importantly if you’ll be covered when on holiday. You should also read the Target Market Determination (TMD) document to understand if the policy is suitable for you.

Expert tips of choosing a travel insurance policy that covers personal liability

While the thought of something going wrong can be uncomfortable to consider, it’s important to make sure you’re covered in case the worst does happen. Our Executive General Manager of General Insurance, Adrian Taylor, has these tips to help you choose a travel insurance plan that matches the needs of your trip.

Adrian Taylor
Executive General Manager – General Insurance

Check the limits of your cover

Even a basic travel insurance policy may cover personal liability; however, the cover and its limits and sub-limits will vary between insurers, so make sure you read the full details of your PDS to know the extent of your coverage. When comparing travel insurance quotes, it’s a good idea to check whether any losses relating to activities you’re planning to do are covered.

Understand the terms, conditions and exclusions of your policy

All policies have conditions and exclusions that can affect the likelihood of your claim being accepted. For example, with personal liability cover you should never admit liability if you’re involved in an incident. Contact your insurer immediately and follow their advice, otherwise your claim may be rejected.

Consider cover for your entire trip

While personal liability cover is an important aspect of your travel insurance, it’s not the only one. Each holiday is different, so before departing consider the cover you need. This might include medical expenses, cancellation fees, luggage and any rental vehicle excess. Depending on your travel plans, you may also need additional cover for cruise or ski holidays.

About travel insurance with personal liability cover

What’s covered by travel insurance for personal liability claims?

What isn’t covered by personal liability in travel insurance?

Is personal liability cover worth it for my travels?

Important to know

Is it compulsory to be covered for personal liability under my travel insurance?

Do all travel insurance policies include personal liability cover?

Does travel insurance cover personal liability in car crashes?

What do I do if I need to make a personal liability claim on my travel insurance?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.