If an insured person is legally liable for injuring another person or damaging their property, PAX Personal Liability Insurance will pay up to £500,000 for each claim for damages they have to pay, and will also pay their costs and expenses relating to the claim if they have been agreed in writing by the Insurer.


The full list of exclusions can be found in Part Two of the Terms and Conditions document, but
in particular you are not covered for liability arising from the following:

War or allied events

Loss, injury or damage caused deliberately by you

Injury arising out of you using or owning firearms or mechanically powered vehicles, aircraft or watercraft

Loss, injury or damage for which you must have insurance under Road Traffic legislation

Injury, damage or loss you maliciously, recklessly or intentionally caused, or resulting from a crime in which you have taken part

You carrying out your duties with HM Regular Armed Forces or other occupation.