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What type of incidents are usually excluded from liability insurance cover?

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Liability insurance providers typically exclude:

  • Damage caused intentionally
  • Damage due to sexual activity
  • Damage caused by a car, motorcycle, moped or e-bike
  • Damage caused by boats or airplanes
  • Damage to property owned by you or others living in your household
  • Damage caused while playing certain sports

Exclusions may vary across providers. Some providers offer additional coverage for damage caused by pets or damage caused while playing a sport or game.

How does the insurance provider determine my premium?