Common use of LIABILITY TO THE PUBLIC Clause in Contracts

LIABILITY TO THE PUBLIC. Liability arising direc tly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as te mpora ry holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as c om pens ation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under, • ownership of any land or building, • any business, profession or trade, • racing, hunting or playing polo, • any willful, malicious, deliberate or reckless act. • the transmiss ion of Human Immune defic iency Virus (HIV) and/or HIV related illness including Acquired Immune Defic iency S yndrome (A IDS) and/or any mutant deri vative or variations thereof however caused, • the transmiss ion of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising direc tly or indirectly from the ownership or use of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised golf buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) The most we will pay under this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where c xx xxxx xxx insurance must be arranged under the Road Traffic Act 1961 or anysubsequent amending legislation to this Act, • watercraft (except toys and models), sailboards or hovercraft, • firearms (except shotguns or airguns used for sporting activities), • animals (except horses and pets which are nor mally dom es tic ated in the Republic of Ireland) Liability arising direc tly or indirectly from the ownership, xxxx xxxx on, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possess ion, use or control is not in acc ordance with the provisions of such regulations, • horses is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or am endm ents thereto. Liability for: • bodily injury to a member of your household or any other person p erm anently residing with you, or to a person under a contract of service or apprentic eship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person perm anently residing with you

LIABILITY TO THE PUBLIC. Liability arising direc tly directly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as te mpora ry temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as c om pens ation compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under, • ownership of any land or building, • any business, profession or trade, • racing, hunting or playing polo, • any willful, malicious, deliberate or reckless actact committed by anybody living in the home. • the transmiss ion transmission of Human Immune defic iency deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Defic iency S yndrome Deficiency Syndrome (A IDSAIDS) and/or any mutant deri vative derivative or variations thereof however caused, • the transmiss ion transmission of any communicable disease, by you or a member of your household. The most we will pay for payfor any one claim or number of claims Liability arising directly or indirectly from the ownership or use of: arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising direc tly or indirectly from the ownership or use of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised golf buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) The most we will pay under payunder this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where c xx xxxx xxx compulsory insurance must be arranged under the Road Traffic Act 1961 or anysubsequent amending legislation to this Act, • watercraft (except toys and models), sailboards or hovercraft, • firearms (except shotguns or airguns used for sporting activities), • animals (except horses and pets which are nor mally dom es tic ated normally domesticated in the Republic of Ireland) Liability arising direc tly directly or indirectly from the ownership, xxxx xxxx onpossession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possess ionpossession, use or control is not in acc ordance accordance with the provisions of such regulations, • horses is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or am endm ents amendments thereto. Liability for: • bodily injury to a member of your household or any other person p erm anently permanently residing with you, or to a person under a contract of service or apprentic eship apprenticeship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person perm anently permanently residing with you

LIABILITY TO THE PUBLIC. Liability arising direc tly directly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as te mpora ry temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as c om pens ation compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under, • ownership of any land or building, • any business, profession or trade, • racing, hunting or playing polo, • any willful, malicious, deliberate or reckless act. • the transmiss ion transmission of Human Immune defic iency deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Defic iency S yndrome Deficiency Syndrome (A IDSAIDS) and/or any mutant deri vative derivative or variations thereof however caused, • the transmiss ion transmission of any communicable disease, by you or a member of your household. The most we will pay for payfor any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising direc tly directly or indirectly from the ownership or use of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised golf buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) The most we will pay under payunder this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where c xx xxxx xxx compulsory insurance must be arranged under the Road Traffic Act 1961 or anysubsequent amending legislation to this Act, • watercraft (except toys and models), sailboards or hovercraft, • firearms (except shotguns or airguns used for sporting activities), • animals (except horses and pets which are nor mally dom es tic ated normally domesticated in the Republic of Ireland) Liability arising direc tly directly or indirectly from the ownership, xxxx xxxx onpossession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possess ionpossession, use or control is not in acc ordance accordance with the provisions of such regulations, • horses is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or am endm ents amendments thereto. Liability for: • bodily injury to a member of your household or any other person p erm anently permanently residing with you, or to a person under a contract of service or apprentic eship apprenticeship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person perm anently permanently residing with you

LIABILITY TO THE PUBLIC. Liability arising direc tly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as te mpora ry holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as c om pens ation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under, • ownership of any land or building, • any business, profession or trade, • racing, hunting or playing polo, • any willful, malicious, deliberate or reckless actact committed by anybody living in the home. • the transmiss ion of Human Immune defic iency Virus (HIV) and/or HIV related illness including Acquired Immune Defic iency S yndrome (A IDS) and/or any mutant deri vative or variations thereof however caused, • the transmiss ion of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims Liability arising direc tly or indirectly from the ownership or use of: arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising direc tly or indirectly from the ownership or use of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised golf buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) The most we will pay under this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where c xx xxxx xxx insurance must be arranged under the Road Traffic Act 1961 or anysubsequent amending legislation to this Act, • watercraft (except toys and models), sailboards or hovercraft, • firearms (except shotguns or airguns used for sporting activities), • animals (except horses and pets which are nor mally dom es tic ated in the Republic of Ireland) Liability arising direc tly or indirectly from the ownership, xxxx xxxx on, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possess ion, use or control is not in acc ordance with the provisions of such regulations, • horses is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or am endm ents thereto. Liability for: • bodily injury to a member of your household or any other person p erm anently residing with you, or to a person under a contract of service or apprentic eship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person perm anently residing with you