AUbicycles wrote:Fair enough, but with four months of work, hours chasing people on the phone and hundreds of emails for this one (free) article, I hope that some of the other parts were 'adequate' for you.
Decide whether it is "fair enough" as you say. No need for the "adequate" barb.
To any readers interested, google any insurance company, choose household insurance, then go to the "PDS" which gives you policy wordings. The following was lifted from the basic no frills policy at Allianz:-
"13. Legal liability – cover for injury to other people
or their property
(Applicable whether you have buildings and/or
contents cover)
We will cover your legal liability for payment of compensation
in respect of:
• death, bodily injury or illness, and/or
• physical loss of or damage to property,
occurring during the period of insurance which is caused by
an accident or series of accidents attributable to one source or
originating cause.
This cover applies in respect of an accident occurring:
• anywhere in Australia, or
• elsewhere in the world, when you are temporarily outside
Australia provided you normally reside in Australia.
The maximum amount we will pay under this policy is
$10,000,000 (Australian) arising out of any one accident or
series of accidents attributable to one source or originating
cause. This limit will be reduced by any amount paid under
any other buildings or contents policy you have with us
providing this type of cover for the same liability, loss,
occurrence or incident.
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In addition we will also pay all legal costs and expenses you
incur with our consent for which you are legally liable plus
the cost of any lawyers we appoint.
What you are not covered for:
1. We will not cover your legal liability for:
a. damage to your property;
b. injury to any person who normally lives with you, or
damage to their property;
c. injury to your employees, or damage to their
property;
d. loss of or damage to property in your care, custody
or control except that property in which you live as a
residential tenant;
e. claims involving your business, trade or profession
(unless you are working on a part-time temporary
basis as a baby-sitter caring for children);
f. which you are liable because of the terms of an
agreement, other than a lease or rental agreement,
you have entered into (unless you would have been
liable if the agreement did not exist);
g. damage to any land or fixed property resulting
from vibration, the removal or weakening of or
interference with support to land, buildings or any
other property;
h. claims arising out of your ownership, possession or
use of any:
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• aircraft or aerial device or aircraft landing area,
except a model aeroplane or toy kite, “aircraft
landing area” means any area in which aircraft
land, take off, are housed, maintained or operated.
• mechanically propelled vehicle, except garden
equipment, golf buggy or wheelchair which
do not need to be registered or do not require
statutory bodily injury cover to be taken out,
• watercraft except for surfboards, sailboards,
canoes and surf skis, and
• other non-motorised watercraft more than
3 metres in length;
i. claims involving buildings in the course of
construction or any alterations, additions, demolition,
repairs to or decorations of the buildings costing more
than $50,000;
j. claims arising directly or indirectly out of or in any
way connected with, the existence, at any time,
of asbestos;
k. claims arising out of the discharge, dispersal, release
or escape of pollutants defined as smoke, vapours,
soot, fumes, acid, alkalis, toxic chemicals, liquids,
gases, waste materials or other irritants, contaminants
or pollutants into or upon land, the atmosphere or any
watercourse or body of water.
Except for accidents happening in Canada or the
United States of America, this exclusion will not
apply if such a discharge, dispersal, release or escape
is caused by sudden accidental unexpected and
unintended happening. We will not pay expenses for
the prevention of such contamination or pollution;
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l. claims for:
• pregnancy, or
• the transmission of disease;
m. claims which arise out of your ownership or
possession of any building except for your buildings
located at the risk address shown in the current
schedule; or
n. claims arising directly or indirectly from or in any
way connected with, the existence, use, operation
or maintenance, at any time, of electronic mail, a
computer virus, an internet site or other internet
based service, intranet or any web site.
2. We will not:
a. cover your legal liability arising out of breach of
copyright or an act of libel, slander or assault caused
by you;
b. cover you for any legal liability arising
from any:
• statutory, compulsory scheme or fund,
• accident compensation scheme or workers
compensation policy of insurance, or
• industrial award, even if the amount recoverable
is nil,
c. cover you for any legal liability which is over that
recoverable under any:
• statutory compulsory scheme or fund, or
• accident compensation scheme or workers
compensation policy of insurance, or
• industrial award; or
d. pay for any aggravated, exemplary or punitive
damages, fines or penalties.
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Special conditions applying to legal liability:
1. If you own the buildings but have only insured your
contents under this policy, we will not cover any legal
liability you may incur as owner of the buildings. This
condition does not apply if the buildings are defined as a
lot and your contents are insured by this policy.
2. If you own the buildings and have only insured your
buildings under this policy we will only cover any legal
liability you may incur as owner of the buildings.
3. If you own the buildings, but do not live in them, we will
not consider your ownership to be a business.
4. This legal liability cover will be governed by the law of
the State or Territory where this policy was arranged and
whose courts will have jurisdiction in any dispute.
No excess applies to this benefit."
You have attributed to me what LinzOC said.
