Common use of Liability to Others Clause in Contracts

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while driving, using or in charge of your vehicle or while you are loading and unloading your vehicle. We will insure you for all amounts you may legally have to pay for death or injury to other people. The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Driving other cars We will also provide the cover shown above (if this is specified in your certificate of motor insurance), to drive any private car that you do not own and have not hired under a hire purchase, or leasing agreement, as long as you have the owner’s permission to drive the car. You are not insured against the following: • any vehicle that is not a private car; • any vehicle that is not insured in its own right; • any vehicle that is not registered and kept within the territorial limits; • any loss or damage to the vehicle you are driving; • any event which occurs outside of the United Kingdom; • any event which occurs when the insurance is not in the name of an individual person; • any liability if you no longer have possession of the insured vehicle; • legal liability covered by any other insurance; • releasing a vehicle that has been seized by the police; or • any vehicle provided as a courtesy car. Other people driving or using your vehicle The following people are also insured. • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition. • Any person who causes an accident while travelling in or getting into or out of the insured vehicle as long as you ask us in writing, after the accident, to cover the passenger.

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading and or unloading your vehicleit. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Driving other cars We will also provide the cover shown above (if this is specified in shown on your certificate of motor insurance), to drive any private car that you do not own and have not hired under a hire purchase, hire-purchase or leasing agreement, agreement - as long as you have the owner’s permission to drive the private car. You are not insured against the followingagainst: • any vehicle that is not a private car; • any vehicle that is not insured in its own right; • any vehicle that is not registered and kept within the territorial limits; • any Any loss or damage to the vehicle you are driving; driving • any Any event which occurs happens outside of the United Kingdom; Kingdom • any Any legal responsibility if you no longer have the insured vehicle • Any event which occurs happens when the this insurance is not in the name of an individual person; person • any liability if you no longer have possession Any legal responsibility unless the vehicle is insured against third party road risks, in its own right or • Securing the release of the insured vehicle; • legal liability covered by any other insurance; • releasing a vehicle that has been seized by or on behalf of the police; police or • any vehicle provided as a courtesy car. public or local authority Other people driving or using your vehicle The In the same way you are insured, we will also cover the following people are also insured. people: • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition. condition • Any person passenger who causes has an accident while travelling in or getting into or out of the insured vehicle vehicle, as long as you ask us in writing, after the accident, to cover the passengerpassenger Legal personal representatives After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is covered by this insurance.

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading and or unloading your vehicleit. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Driving other cars We will also provide the cover shown above (if this is specified in shown on your certificate of motor insurance), to drive any private car that you do not own and have not hired under a hire purchase, hire-purchase or leasing agreement, agreement - as long as you have the owner’s permission to drive the private car. You are not insured against the followingagainst: • any vehicle that is not a private car; • any vehicle that is not insured in its own right; • any vehicle that is not registered and kept within the territorial limits; • any Any loss or damage to the vehicle you are driving; driving • any Any event which occurs happens outside of the United Kingdom; Kingdom • any Any legal responsibility if you no longer have the insured vehicle • Any event which occurs happens when the this insurance is not in the name of an individual person; person • any liability if you no longer have possession Any legal responsibility unless the vehicle is insured against third party road risks, in its own right or • Securing the release of the insured vehicle; • legal liability covered by any other insurance; • releasing a vehicle that has been seized seized, by or on behalf of the police; police or • any vehicle provided as a courtesy car. public or local authority Other people driving or using your vehicle The In the same way you are insured, we will also cover the following people are also insured. people: • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition. condition • Any person passenger who causes has an accident while travelling in or getting into or out of the insured vehicle vehicle, as long as you ask us to cover the passenger Legal personal representatives After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is covered by this insurance. Business use (private cars only) If your certificate of motor insurance allows business use, we will insure your employer or business partner against the events shown above under ‘Driving your vehicle’ while you are working for that employer or partner, but not while using a vehicle provided by the employer or partner unless that vehicle is shown on your schedule. Cover for principals As far as is necessary to meet the requirements of any agreement or contract entered into by you for the performance of work, we will insure the principal at your request - provided the principal complies with the terms and conditions of this insurance in so far as they can apply. Contingent liability We will insure you while an employee of yours uses, on your business, a vehicle you do not own or have supplied as long as: • You have given express permission for the vehicle to be used on your business • You have taken all reasonable steps to ensure that there is a separate motor insurance policy, in the employee’s name, giving you cover for such use and • There is no cover provided by any other insurance We will not be liable: • For any loss or damage to such vehicle or • To cover any person driving such vehicle Joint liability If this document is in the name of more than one person, we will cover each person as if we had sent an individual document to each. We will cover each against the liability of the other, as long as the liability, loss or damage is not covered by any other insurance. Unauthorised movement We will insure you in respect of any accident caused by, through or in connection with the movement of any motor vehicle not belonging to you and not in your custody or control, as long as the vehicle is preventing your vehicle from passing and: • Is being moved by an employee of yours • Is being moved in connection with your business • Is not the property of the employee moving it and • Is not covered by any other insurance covering such accident, damage or loss Legal costs In respect of any event which is covered under this section, if we first agree in writing, we will arrange and pay: • Up to £35,000 towards your legal fees and expenses for defending legal proceedings, including appeals, and • Up to £1,000,000 towards the cost of any prosecution awarded against you arising from any health-and-safety enquiry or criminal proceedings for breaking the: o Health and Safety at Work Act 1974 o Health and Safety at Work (Northern Ireland) Order 1978 or o Corporate Manslaughter and Corporate Homicide Act 2007 We will not provide this cover: • Unless the proceedings relate to an actual or alleged act, failure to act or accident that happens during the period of insurance within the United Kingdom and in connection with your business • Unless the proceedings relate to an actual or alleged act, failure to act or accident arising from you, or a person on your behalf using, or you having or owning, a motor vehicle or trailer where compulsory insurance or security is required by the Road Traffic Act • For any proceedings which result from your deliberate act or failure to act or • Where cover is provided by any other policy Towing Under this section we will insure you while any vehicle covered by this insurance is towing a caravan, trailer or a broken-down vehicle (as allowed by law). We will only provide this cover if: • The caravan, trailer or broken-down vehicle is properly secured to your vehicle by towing equipment made for the purpose and • The method of towing the caravan, trailer or broken-down vehicle stays within the manufacturer’s recommended towing limits and any other relevant law We will not pay any claim arising from: • Loss of or damage to the towed caravan, trailer or broken-down vehicle • Loss of or damage to any property being carried in or on the towed caravan, trailer or broken-down vehicle • A caravan, trailer or broken-down vehicle being towed for reward • Towing more trailers than the number allowed by law or • If more than one caravan or broken-down vehicle is being towed at any one time Emergency medical treatment Where we must provide cover under the Road Traffic Act, we will pay for emergency medical treatment that is needed after an accident involving any vehicle which this insurance covers. This cover only applies in the accident, to cover United Kingdom and where we must provide it under the passengerRoad Traffic Acts.

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading and or unloading your vehicleit. We will insure you for all amounts you may legally have to pay for death or causing deathor injury to other people. The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Driving other cars You are not insured against: ▪ Any loss or damage to the vehicle you are driving ▪ any event which happens outside of the United Kingdom ▪ any legal responsibility if you no longer have possession of the insured vehicle ▪ any event which happens when this insurance si not in the name of an individual person ▪ any legal responsibility unlessthe vehicle is insured against third party road risks in its own xxxxxxx ▪ securing the release of a vehicle that has been seized by or on behalf of the police or any public or local authority We will also provide the cover shown above (if this is specified in shown on your certificate of motor insurance), ) to drive any private car that you do not own and have not hired under a hire purchase, or leasing agreement, as long as you have the owner’s vehicle permission to drive the car. You are not insured against the following: • any vehicle that is not a drivethe private car; • any vehicle that is not insured in its own right; • any vehicle that is not registered and kept within the territorial limits; • any loss or damage to the vehicle you are driving; • any event which occurs outside of the United Kingdom; • any event which occurs when the insurance is not in the name of an individual person; • any liability if you no longer have possession of the insured vehicle; • legal liability covered by any other insurance; • releasing a vehicle that has been seized by the police; or • any vehicle provided as a courtesy car. Other people driving or using your vehicle The In the same way you are insured, we will also cover the following people are also insured. • people: ▪ Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception excepotin or condition. • condition ▪ Any person passenger who causes has an accident while travelling in or getting into or out of the insured vehicle vehicle, as long as you yuo ask us in writing, after the accident, to cover the passengerpassenger Legal personal representatives After the death of anyone who is covered by this insurance, we will deal wit estate, as long as the claim is covered by this insurance.

Liability to Others. Driving your vehicle We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading and or unloading your vehicleit. We will insure you for all amounts you may legally have to pay for causing death or injury to other people. The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident. We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident. If there is a property-damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you. Driving other cars We will also provide the cover shown above (if this is specified in shown on your certificate of motor insurance), to drive any private car that you do not own and have not hired under a hire purchase, hire-purchase or leasing agreement, agreement - as long as you have the owner’s permission to drive the private car. You are not insured against the followingagainst: • any vehicle that is not a private car; • any vehicle that is not insured in its own right; • any vehicle that is not registered and kept within the territorial limits; • any Any loss or damage to the vehicle you are driving; driving • any Driving a car that is owned by a member of your household • Any event which occurs happens outside of the United Kingdom; Kingdom or while the insured vehicle is outside the United Kingdom • any Any legal responsibility if you no longer have the insured vehicle • Driving another vehicle while the insured vehicle is declared SORN • Driving a car that does not have a valid MOT (unless exempt) or is not taxed, insured and registered in the UK • Any event which occurs happens when the this insurance is not in the name of an individual person; person • any liability if you no longer have possession Any legal responsibility unless the vehicle is insured against third party road risks, in its own right or • Securing the release of the insured vehicle; • legal liability covered by any other insurance; • releasing a vehicle that has been seized by or on behalf of the police; police or • any vehicle provided as a courtesy car. public or local authority Other people driving or using your vehicle The In the same way you are insured, we will also cover the following people are also insured. people: • Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been excluded by an endorsement, exception or condition. condition • Any person passenger who causes has an accident while travelling in or getting into or out of the insured vehicle vehicle, as long as you ask us in writing, after the accident, to cover the passengerpassenger Legal personal representatives After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is covered by this insurance.