Common use of Third Party Liability Insurance Clause in Contracts

Third Party Liability Insurance. 2.9.1. Under the home insurance contract, third party liability insurance (as specified in the policy) may insure either the liability of the owner or possessor of the real estate and/or the liability of the private individual. 2.9.2. In the case of third party liability insurance of the owner or possessor of real estate, non-contractual claims arising from the ownership or possession of an insured item or apartment shall be compensated. 2.9.3. The private person’s third-party liability insurance cover applies to non-contractual damages caused to third parties by the Policyholder or his/her family members in the Republic of Estonia (including liability of the pet owner, liability of the cyclist, etc.). In the case of third party liability insurance, non-contractual claims arising from the ownership or holding or a building or an apartment shall not be compensated. 2.9.4. In the case of juridical policyholder, only non- contractual claims that arise from the ownership or posession of an insured item or apartment shall be compensated 2.9.5. In the case of civil liability insurance, the insured event means unexpected and unforeseeable unlawful creation of non-contractual property or personal damage to a third party, as a result of which the Policyholder or his/her family member shall have the obligation to compensate for damage. The Policyholder's spouse, partner, their children and dependents are deemed to be the family members of the Policyholder. The event that caused the damage must have occurred during the insurance period and the written claim for the compensation of damage must be submitted no later than six months after the end of the insurance period. 2.9.6. Personal damage is damage caused by personal injury, physical harm or death. 2.9.7. In addition, Compensa will reimburse the costs of legal assistance, expert assessment and trial necessary to challenge the claim. All claims coordinated with Compensa shall be compensated, but no more than the sum insured specified in the insurance policy. 2.9.8. All claims resulting from the same circumstance or event are considered as one insured event. The time of occurrence of an insured event is considered to be the time of occurrence of the first insured event. 2.9.9. The sum insured is the indemnity limit for damages occurring during the insurance period. 2.9.10. The claims arising from the following cause shall not be compensated: a) Damage intentionally caused by the Policyholder or his/her family member; b) loss of profit; c) legal expenses related to contractual penalties, interests, etc.; d) the damage caused by an act or omission committed by the insured person or his/her family member under the influence of alcohol or drugs; e) damage to or loss of a movable or immovable property possessed, leased, borrowed or otherwise used by the Policyholder or his/her family member; f) the Policyholder’s or his/her family member’s performance of the work or official duties, economic or professional activity, producer responsibility; g) possession, rental, use or lease of engine-powered land vehicles, watercraft and aircraft; h) smoke, grime, dust, vapour, moisture, gas, heat, odour or another similar long-term factor; i) contamination of air, soil or water; j) damage caused by the animal, other than the damage caused by the pet of the Policyholder or his/her family member; k) negotiorum gestio; l) unjustified enrichment; m) public promise to pay; n) defective product; o) asbestos, communicable disease or infection; p) force majeure; q) Explosives, weapons, radioactive material. a) damage, unless it is an insured event, except for the exclusion of a claim in Clause 2.9.7; b) damage if the Policyholder or his/her family member was aware of the fact that caused it before the conclusion of the insurance contract; c) claims arising from contractual liability, contractual obligations, guarantees, etc.; d) environmental damage; e) damage covered by the obligatory liability insurance; f) expired claims; g) mutual claims between the Policyholder and his/her family members. h) claims for the compensation of non-pecuniary damage; i) damage that is not subject to compensation in accordance with the legislation in force in the Republic of Estonia.

Third Party Liability Insurance. 2.9.1. Under the home insurance contract, third party liability insurance (as specified in the policy) may insure either the liability of the owner or possessor of the real estate and/or the liability of the private individual. 2.9.2. In the case of third party liability insurance of the owner or possessor of real estate, non-contractual claims arising from the ownership or possession of an insured item or apartment shall be compensated. 2.9.3. The private person’s third-party liability insurance cover applies to non-contractual damages caused to third parties by the Policyholder or his/her family members in the Republic of Estonia (including liability of the pet owner, liability of the cyclist, etc.). In the case of third party liability insurance, non-contractual claims arising from the ownership or holding or a building or an apartment shall not be compensated. 2.9.4. In the case of juridical policyholder, only non- contractual claims that arise from the ownership or posession of an insured item or apartment shall be compensated 2.9.5. In the case of civil liability insurance, the insured event means unexpected and unforeseeable unlawful creation of non-non- contractual property or personal damage to a third party, as a result of which the Policyholder or his/her family member shall have the obligation to compensate for damage. The Policyholder's spouse, partner, their children and dependents are deemed to be the family members of the Policyholder. The event that caused the damage must have occurred during the insurance period and the written claim for the compensation of damage must be submitted no later than six months after the end of the insurance period. 2.9.62.9.5. Personal damage is damage caused by personal injury, physical harm or death. 2.9.72.9.6. In addition, Compensa will reimburse the costs of legal assistance, expert assessment and trial necessary to challenge the claim. All claims coordinated with Compensa shall be compensated, but no more than the sum insured specified in the insurance policy. 2.9.82.9.7. All claims resulting from the same circumstance or event are considered as one insured event. The time of occurrence of an insured event is considered to be the time of occurrence of the first insured event. 2.9.92.9.8. The sum insured is the indemnity limit for damages occurring during the insurance period. 2.9.102.9.9. The claims arising from the following cause shall not be compensated: a) Damage intentionally caused by the Policyholder or his/her family member; b) loss of profit; c) legal expenses related to contractual penalties, interests, etcetc .; d) the damage caused by an act or omission committed by the insured person or his/her family member under the influence of alcohol or drugs; e) damage to or loss of a movable or immovable property possessed, leased, borrowed or otherwise used by the Policyholder or his/her family member; f) the Policyholder’s or his/her family member’s performance of the work or official duties, economic or professional activity, producer responsibility; g) possession, rental, use or lease of engine-powered land vehicles, watercraft and aircraft; h) smoke, grime, dust, vapour, moisture, gas, heat, odour or another similar long-term factor; i) contamination of air, soil or water; j) damage caused by the animal, other than the damage caused by the pet of the Policyholder or his/her family member; k) negotiorum gestio; l) unjustified enrichment; m) public promise to pay; n) defective product; o) asbestos, communicable disease or infection; p) force majeure; q) Explosives, weapons, radioactive material. a) damage, unless it is an insured event, except for the exclusion of a claim in Clause 2.9.7; b) damage if the Policyholder or his/her family member was aware of the fact that caused it before the conclusion of the insurance contract; c) claims arising from contractual liability, contractual obligations, guarantees, etc.; d) environmental damage; e) damage covered by the obligatory liability insurance; f) expired claims; g) mutual claims between the Policyholder and his/her family members. h) claims for the compensation of non-pecuniary damage; i) damage that is not subject to compensation in accordance with the legislation in force in the Republic of Estonia.

Third Party Liability Insurance. 2.9.1. Under the home insurance contract, third party liability insurance (as specified in the policy) may insure either the liability of the owner or possessor of the real estate and/or the liability of the private individual. 2.9.2. In the case of third party liability insurance of the owner or possessor of real estate, non-contractual claims arising from the ownership or possession of an insured item or apartment shall be compensated. 2.9.3. The private person’s third-party liability insurance cover applies to non-contractual damages caused to third parties by the Policyholder or his/her family members in the Republic of Estonia (including liability of the pet owner, liability of the cyclist, etc.). In the case of third party liability insurance, non-non- contractual claims arising from the ownership or holding or a building or an apartment shall not be compensated. 2.9.4. In the case of juridical policyholder, only non- non-contractual claims that arise from the ownership or posession of an insured item or apartment shall be compensated 2.9.5. In the case of civil liability insurance, the insured event means unexpected and unforeseeable unlawful creation of non-non- contractual property or personal damage to a third party, as a result of which the Policyholder or his/her family member shall have the obligation to compensate for damage. The Policyholder's spouse, partner, their children and dependents are deemed to be the family members of the Policyholder. The event that caused the damage must have occurred during the insurance period and the written claim for the compensation of damage must be submitted no later than six months after the end of the insurance period. 2.9.6. Personal damage is damage caused by personal injury, physical harm or death. 2.9.7. In addition, Compensa will reimburse the costs of legal assistance, expert assessment and trial necessary to challenge the claim. All claims coordinated with Compensa shall be compensated, but no more than the sum insured specified in the insurance policy. 2.9.8. All claims resulting from the same circumstance or event are considered as one insured event. The time of occurrence of an insured event is considered to be the time of occurrence of the first insured event. 2.9.9. The sum insured is the indemnity limit for damages occurring during the insurance period. 2.9.10. The claims arising from the following cause shall not be compensated: a) Damage intentionally caused by the Policyholder or his/her family member; b) loss of profit; c) legal expenses related to contractual penalties, interests, etc.; d) the damage caused by an act or omission committed by the insured person or his/her family member under the influence of alcohol or drugs; e) damage to or loss of a movable or immovable property possessed, leased, borrowed or otherwise used by the Policyholder or his/her family member; f) the Policyholder’s or his/her family member’s performance of the work or official duties, economic or professional activity, producer responsibility; g) possession, rental, use or lease of engine-powered land vehicles, watercraft and aircraft; h) smoke, grime, dust, vapour, moisture, gas, heat, odour or another similar long-term factor; i) contamination of air, soil or water; j) damage caused by the animal, other than the damage caused by the pet of the Policyholder or his/her family member; k) negotiorum gestio; l) unjustified enrichment; m) public promise to pay; n) defective product; o) asbestos, communicable disease or infection; p) force majeure; q) Explosives, weapons, radioactive material. a) damage, unless it is an insured event, except for the exclusion of a claim in Clause 2.9.7; b) damage if the Policyholder or his/her family member was aware of the fact that caused it before the conclusion of the insurance contract; c) claims arising from contractual liability, contractual obligations, guarantees, etc.; d) environmental damage; e) damage covered by the obligatory liability insurance; f) expired claims; g) mutual claims between the Policyholder and his/her family members. h) claims for the compensation of non-pecuniary damage; i) damage that is not subject to compensation in accordance with the legislation in force in the Republic of Estonia.