PERSONAL LIABILITY

Conditions:

(C7.1) You must not admit liability or fault to any party without Our written Pre approval.

We will pay for:

(B7.1) Any sums which You are legally liable to pay, including legal expenses, as a result of Your negligence during Your Period of Insurance within Your Country of Study causing:
(a) death of or bodily Injury to another person; or
(b) damage to property not owned by You.
Limits: All plans to Annual Maximum

We will not pay claims arising directly or indirectly from:

(E7.1) The theft of, loss of or damage to any property which belongs to, or is under the care or control of You, Your Relative, Your travelling companion or Your host family.
(E7.2) Bodily Injury (including death or Illness) to You, Your Relative, Your travelling companion, Your travelling companion’s Relative, or an employee of either You, Your Relative or Your travelling companion.
(E7.3) The ownership, custody or use of any aerial device, watercraft or mechanically propelled vehicle.
(E7.4) The conduct of a business, profession or trade or out of professional advice You have provided.
(E7.5) Any unlawful, malicious, intentional, criminal or illegal act by You, Your Relative, Your travelling companion, an employee of either You, Your Relative or Your travelling companion, a member of Your touring party or educational facility, or for any fine, penalty or similar damages.
(E7.6) Any Workers’ Compensation Legislation, industrial award or agreement, or Accident Compensation Legislation.
(E7.7) Any event that occurs outside the legal jurisdiction of Your Country of Study.
(E7.8) Aggravated, exemplary or punitive damages.
(E7.9) The transmission of any communicable disease by You or any other person.
(E7.10) Participation in any Hazardous sport.