Hi all,
Does the Tesco home insurance policy cover injury/death claims against householders from visitors of any description, whilst anywhere within the property boundary?
The policy wording (sect. 23) says that it's the boundary of the home. The policy defines the home as the main residence and any garages or outbuildings, but doesn't mention, for example, the driveway or path to the front door, both of which could be used by occasional visitors. Should they slip or trip and cause themselves injury etc., a claim could be made under OLAs.
Thanks in advance.
Hi @petesharpe, thanks for getting in touch. With our home policy you are covered for all legal amounts you have to pay up to £2 million if you cause accidental loss or damage to a third party's property or cause death or bodily injury in your home. We will not cover for death or bodily injury to you, your family or domestic employees. I hope this clarifies things!
Thanks for the reply Robbie, but it still doesn't clarify if the cover extends to the entire property boundary. "...in your home." to me suggests within the actual property, i.e. indoors, not outside of it.
@petesharpe Yeah so it is within the home or the aforementioned garages or outbuildings. if you require cover for this then you may need to seek an alternative personal liability policy. However, if the injury was caused by something that was insured like falling debris from the home etc then that would be a claim of the main policy.
@petesharpe Yeah so it is within the home or the aforementioned garages or outbuildings. if you require cover for this then you may need to seek an alternative personal liability policy. However, if the injury was caused by something that was insured like falling debris from the home etc then that would be a claim of the main policy.
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RossM