Personal Liability

We provide cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.*


What's Covered?

  • Cover is provided for your legal liability, up to $5,000,000.
  • Cover is provided for death or bodily injury, and/or physical loss of, or damage to, property, occurs during your trip which is caused by an accident.
  • Cover is provided for your reasonable legal expenses for settling or defending the claim made against you.
  • You must not admit fault or liability for the claim, or incur any legal costs without 1Cover's prior written approval.


What's Not Covered?

  • No benefit is payable for any amount you become legally liable to pay if the claim arises directly or indirectly from, or is in any way connected with, or is for:
  • Bodily injury to you, your Travelling Companion, or to a Relative or employee of either of you;
  • Damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, your Relative, or your Travelling Companion, or to an employee of either of you;
  • Your ownership, custody or use of any firearm or weapon, aerial device, watercraft or motorised vehicle;
  • Your conduct of, or employment in, any business, profession, trade or occupation.
  • See the PDS for full details of what is and isn't covered.


Travel Safety Tips

  • We recommend that items of huge personal value to you stay at home. The reason we recommend this is you never know what is around the corner and in some countries highly valuable items can make you a target for thieves.
  • It is always best to dress subservient and in neutral colours as this will not attract unwanted attention. Don't dress like a tourist.
  • Don't flash your cash, keep it hidden away. When you get money out at an ATM be aware of what's around you and if you can ask a friend to stand next to you to alert you of anyone up to no good.
  • Keep your wallet in your front pocket not your back pocket.
  • Keep your bag or handbag on your lap, not on the floor where a thief could grab it.
  • Be extra careful at night time especially if travelling alone. Avoid places where you could be ambushed - steer clear of dodgy back alley ways.
  • If you think someone is going to rob you, or they are following you - make eye contact, act confident and this should help deter their attention.
  • If something does go wrong go to the authorities to report it as soon as you can.



Learn More About What's Covered With 1Cover

Overseas Medical AssistanceOverseas Medical Assistance

Our 24/7 emergency medical hotline is there to assist you whenever you need. 

Luggage InsuranceLuggage 

Coverage in case your luggage is lost or damaged. 

Theft Of CashTheft Of Cash

We provide cover for theft of cash and travellers cheques. 

Flight CancellationFlight Cancellations

We pay if your flight is cancelled.


Further Reading

Europe is great for a getaway but make sure you're prepared. Check out our Europe guide for travel tips. 


Asia is a beautiful place to enjoy, but it can be dangerous for the unaware traveller.



Keep yourself safe on your next trip to the states and check out our travel information.


More Information About Popular Destinations