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Liberty Quality Home - house and contents insurance

 

 

Article A. BASIC COVER: MATERIAL DAMAGE OR LOSSES SUSTAINED BY THE BUILDING AND / OR CONTENTS

 

Pursuant to the cover conditions of the policy and the limit on the insured sum stipulated in the schedule, material damage  and / or direct material losses sustained by the building or contents due to the following causes are guaranteed:

 

A13. Liability

 

A.13.2. If the contents are insured

 

The insurer guarantees the insured, and the individuals for which he / she is liable, payment of the indemnities for which he might be civilly liable, pursuant to current legal regulations, as a result of  bodily injuries, material damage or damage caused involuntarily to third parties by events occurring in the scope of his / her private life when he / she acts in his / her position as:

 

* None-professional activity: For acts or omissions committed in his / her non-professional life

 

* Head of the family: For acts or omissions committed by any individual for whom he / she is liable in his / her private life, as well as for the acts or omissions of the members of the family unit living with the insured

 

* Household staff: For acts or omissions committed by the household staff at his / her service while performing their work

 

* User and / or tenant of the home containing the insured items, excluding claims derived from the maintenance of the home

 

* Sportsperson: Performing any sporting activity as an amateur, but excluding aeronautical sports, archery and hunting, unless the Optional Cover B3. has been taken out, in which case the insured shall be subject to that set forth therein. Damage caused by performing sports as a professional is not covered.

 

* Pet owner: according to the definition provided in this cover, except dangerous breeds of dogs that may be the object of optional cover through the express inclusion thereof and the payment of the relevant premium

 

* Owner of non-motor pleasure craft: This shall be construed as floating objects used for recreational sailing, providing they have no motor/engine, are at least 6 metres long and have valid pilot certification required by law

 

* Owner or user or bicycles: As an amateur

 

* Owner of individual radio and / or television antennas installed in the home containing the insured objects. Claims derived from the antenna or the maintenance of the antenna damaging the home itself are not covered.

 

* Liability of the tenant before the owner of the home for material damage caused to it due to a fire or explosion for which the tenant is liable.

 

* Fishing liability: Pursuant to the limits and conditions stipulated in the policy, the   insurer shall bear any financial consequences of liability that might correspond to the insured in accordance with current legislation as a result of successive bodily injuries, material damage or losses caused involuntarily to third parties while carrying out rod fishing as a sport.

 

 

 

A.13.3. Employer's liability

 

A14. Home assistance

 

 

THE FOLLOWING IS NOT COVERED:

CLAIMS ARISING FROM:

a. Damage  caused by the practice of any industrial, commercial, trade or professional activities by the insured or other insured individuals

b. Damage  due to the participation of the insured, or the insured individuals, in competitions, races, bets or contests of any kind, or in their preparatory trials of training sessions, providing said participation is not carried out as an amateur.

c. The use or carrying of any type of weapons, except for hunting, in which event the insured must take out the Optional Cover B3 and shall be subject to that set forth therein.

d. Damage sustained by the insured while in a state of intoxication or under the effects of any kind of drug.

e. Possession or use of horses or other riding animals

f. Events occurring abroad when the primary residence of the insured is outside Spain.

 

 

GENERAL EXCLUSIONS FROM COVERS A.13.1. AND A.13.2 (BUILDING AND CONTENTS)

Liability arising from the following is not included:

a. Damages sustained by property or animals that, for whatever reason (deposit, use, repair, handling, transformation, transport or other) is in the power, custody and control of the insured or of individuals for whom he / she is legally liable.

b. The ownership, possession, holding or use by the insured of any kind of vessel over 6 metres long

c. The ownership, holding or use of motor vehicles and any trailer or incorporated elements by the insured, due to traffic accidents, as regulated by current legislation concerning the circulation of motor vehicles.

d. Damage caused by risks that should be covered by compulsory insurance, even when such events lead to financial liability that exceeds the limit set by the aforementioned insurance.

e. Any obligation contractually undertaken by the insured in excess of the legal liability.

f. Economic losses that are not the direct consequence of bodily injury or material damage guaranteed by the policy.

g. Costs incurred by the insured to prevent a harmful event or repair the property and installations that caused an accident derived from infringements or voluntary breaches of legal regulations.

h. Fines and / or personal sanctions of any kind imposed upon the insured or the individuals for whom he / she is liable, as well as the consequences of not paying them

i. Damage caused to documents of monetary value. Indemnity shall be limited to the cost of replacing the aforementioned documents, not to the value thereof

j. For acts of bad faith, challenges and fights

k. Damage due to the infringement or breach of legal regulations

l. Transmission of infectious diseases to human beings

m. The cover of A.13.2, if the insured home is rented out by the insured or he / she has consented to its use or if the insured is a legal entity.

 

4. Risks excluded from all cover...

 

Optional cover

 

 

Sociedad de Agencia de Seguros Vinculada...     Linked insurance agency 

 

Liberty Quality Home - house and contents insurance

 

Glossaries ( Liberty Seguros - glossary / glosario )

 

Cover Summary 

 

Information statement

 

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