Personal Liability Cover for Travel can help with compensation and legal costs if you accidentally injure another person or damage their property while travelling and you’re held responsible.
Personal Liability Cover for Travel is provided by Chubb, a global insurance company, and is available with selected ZEN.COM subscription plans for residents of Poland, Czechia, Hungary, Romania, and Lithuania.
Who can use Personal Liability Cover for Travel?
Personal Liability Cover for Travel is available depending on your ZEN.COM subscription plan:
- Good: Personal Liability Cover for Travel is not available
- Better: Personal Liability Cover for Travel is not available
- Best: up to 1000000 EUR
- ZEN: up to 1500000 EUR
The maximum amount applies per covered incident and per calendar year.
When the cover applies
When your cover starts and ends depends on which travel costs you paid fully or partly with your ZEN card:
- Transport tickets: the cover starts when you leave your country of residence and ends when you return.
- Hotel: if you did not pay for transport tickets with your ZEN card, the cover applies from the start until the end of your hotel stay.
- Rental vehicle: if you did not pay for transport tickets with your ZEN card, the cover applies from the start until the end of the vehicle rental.
What Personal Liability Cover for Travel covers
The cover can help if you become legally responsible for accidentally causing:
- injury to another person
- damage to another person's property
- other financial loss resulting from covered injury or property damage
Eligible legal, defence, expert, and court costs may also be covered.
Any compensation or related costs paid for the same incident reduce the remaining amount available under the cover.
For claims brought before courts in the United States or Canada, including their territories and possessions, a separate maximum limit applies as specified in the Table of Benefits and Limits.
What Personal Liability Cover for Travel does not cover
The cover does not apply to:
- activities that require separate compulsory liability insurance
- injury or damage involving someone who is not considered a third party under the insurance conditions
- damage caused while carrying out your professional activities
- non-material damage that does not result from covered personal injury or property damage
- damage caused directly or indirectly through owning, possessing, or using motor vehicles or machinery, caravans, aircraft including drones, spacecraft, or vessels used on seas, rivers, or lakes
- damage connected with loading or unloading these vehicles, aircraft, or vessels
- fire, explosion, or water damage at premises you own, occupy, or rent
Damage to premises you temporarily occupy during your trip may still be covered.
This is third-party liability cover. It is intended for situations where you are legally responsible for injury or damage caused to someone else.
It does not cover your own injuries or belongings.
For the complete coverage conditions, limits, definitions, and exclusions, check the Personal Liability Cover for Travel Terms.
See also: How to make a Personal Liability Cover for Travel claim