Product Disclosure Statement

Section 4 - Personal Legal Liability

What is personal legal liability?

Personal legal liability means that an Australian court or other judicial body finds, or we accept in writing, that as a result of an accident, a person is legally responsible to pay compensation for:

• loss or damage to property owned by someone other than you or a family member, or
• bodily injury to, or the death of, someone other than you or a family member,

and the person responsible is:

• you, or
• a family member, and

you or the responsible family member is temporarily or permanently residing in your caravan at the time the accident giving rise to the liability occurred.

When we pay
We will pay a claim for personal legal liability if the accident that gives rise to personal legal liability is one that:

• occurs in Australia during the period of insurance, and
• whilst you or a family member are temporarily or permanently residing in your caravan, and
• was not expected or intended to give rise to personal legal liability, and
• is not excluded by:

- the “when we will not pay” section, or
- the “when we may refuse a claim” section.

Most we will pay
The most we will pay is $20 million in total for all claims arising from any one incident or series of incidents arising out of one accident. This amount includes legal and other costs we agree to pay in writing as part of the claim.

Conditions
When someone other than you makes a claim for personal legal liability they must observe the conditions of this policy in the same way that you have to.

When we will not pay
We will not pay:

• for the death of or bodily injury to:

- you or a family member
- any person covered by this policy
- any person related to you or related to a person covered by this policy
- any person who usually lives with you or with any other person covered by this policy
- any person who resides at the address shown on your schedule
- your employees or the employees of any other person covered by this policy if the accident that gives rise to the liability arises out of or in the course of their employment

• for damage to property owned or controlled by you, a family member or your employer or their employees
• for any liability arising from any workers compensation legislation, industrial award or agreement, or statutory accident compensation schemes
• for any liability arising from the ownership, custody, or use of any lift, aerial device or aircraft (except model aircraft or toy kites), aircraft landing area, boat exceeding 3 metres in length (except canoes, surfboards, surf skis or sailboards) or motorised watercraft in excess of 10 horsepower
• for any liability arising from the ownership of land, buildings or structures
• for legal or other costs incurred without our agreement
• for loss, damage or injury intentionally caused by you, a family member or a person acting with your or their consent
• for liability incurred in connection with hiring your caravan for reward, even if you have selected the optional cover of “Hire Use”
• for any liability which would not have been imposed by law.

We will also not pay:

• if you or a family member are not temporarily or permanently residing in your caravan at the time that the incident occurs resulting in a personal legal liability claim, or
• if the personal legal liability is covered by an existing home or contents insurance policy in your name, or
• under this Section 4 if the personal legal liability is covered under Section 3 of this policy.