Legal Liability
COVERED
What’s covered
There are differences in cover between our policies. We’ll try to explain those differences below.
When you have AAMI Home Building Insurance, we cover your legal liability to pay compensation for death of or bodily injury to other people, or loss or damage to their property, resulting from an incident which happens during the period of insurance:
- in connection with you owning or living in the building; and
- at the insured address.
We also cover you for associated legal costs to defend a claim against you that is covered. We need to first agree to pay the legal costs before they are covered.
Whereas with AAMI Home Contents Insurance, we provide coverage for your legal liability for death of or bodily injury to other people, or loss or damage to someone else's property, resulting from an incident which occurs in Australia or New Zealand:
- which is unrelated to your ownership of the building, unit or land at the insured address (unless you live in and/or own the unit and your legal liability is not covered by a separate building policy); or
- if it results from fixtures and fittings attached to the insured address and that you are legally responsible for under a rental agreement.
We also cover legal costs associated with defending a claim against you, but we must agree to cover these costs beforehand.
Note this is a summary of coverage details. For more information on the scope of Legal Liability, please read the relevant Product Disclosure Statement.
Limits
The most we will pay for all claims from any one incident for legal liability covered by our policy is $20 million, including all associated legal costs. Conditions and exclusions apply. You can find more information on this cover in the Product Disclosure Statement.
What’s not covered
We do not cover legal liability for or caused by, connected with or arising from the following:
- Agreements you enter into (unless the liability would have existed had you not entered into the agreement or contract);
- Animals (other than your domestic dog, cat or horse);
- Asbestos;
- Business activity;
- Building work, including altering, extending or renovating, at the insured address where the cost exceeds $50,000;
- Buildings, property or land not at the insured address;
- Caravans and trailers;
- Committee members or officials – actions or duties as a committee member or director of a club or association or as a coach, referee, official or medical officer at a game or organised sporting activity;
- Death or injury;
- Defamation or copyright;
- Drones;
- Erection or demolition;
- Fines, penalties and other damages;
- Legal actions in other countries;
- Motor vehicles or motorcycles;
- Property owned by you or property in your physical or legal custody (contents only);
- Using or owning aircraft or facilities for aircraft;
- Watercraft;
- Your employees.
You can find more information on this and other policy coverage in the Product Disclosure Statement.