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THE AMERICAN EXPRESS PLATINUM CARD
11. the conscation or destruction by order of any government or
public authority;
12. any items sent under the provisions of any freight contract, postal,
courier or similar service;
13. damage to fragile or brittle items unless caused by re or resulting
from an accident to an aircraft, sea vessel or motor vehicle;
14. any drones, sporting equipment, bicycles, surfboards or waterborne
craft (including their ancillary equipment) of any description whilst
in use;
15. any motor vehicle, motor vehicle accessories or parts, motorised or
propelled vehicles such as scooters, electric bicycles or golf buggies;
16. shortages, errors, omissions, depreciation in value in respect of
Money and Travel Documents;
17. any bonds, coupons, gift cards, stamps, vouchers, warranties, pre-
loaded or rechargeable cards including but not limited to phone,
debit or stored value cards;
18. loss of Money or Valuables from Your accommodation unless
evidence is available of unauthorised entry to Your accommodation;
for example: evidence of Forcible Entry, key entry recording or
CCTV footage;
19. any of the following: animals or plant life, antiques and historical
artefacts, securities, or documents of any kind other than those
within the denition of Money and Travel Documents, china,
consumable or perishable items, contact or corneal lenses,
dentures, glass, hearing aids, keys, musical instruments,
pictures, photos;
20. lost or stolen cryptocurrency.
EXCESS – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL
DOCUMENTS COVER
As noted in the Schedule of Benets.
Section (H) Personal Liability Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – PERSONAL LIABILITY COVER
1. Personal Liability Cover
If during Your Trip, You become unintentionally legally liable to pay
compensation to someone (other than a member of Your family or a Close
Relative) as a result of:
1. an injury or death to that person; or
2. accidental physical damage or loss to someone else’s
tangible property
We will pay or reimburse costs up to the maximum relevant cover section
limit inclusive of sub-limits as shown in the Schedule of Benets for:
a. Your legal costs;
b. damages that are recoverable from You;
c. costs that are incurred with Our consent (which will not be
unreasonably withheld or delayed);
d. costs for legal representation at any coroner’s inquest or fatal
accident inquiry or in a court of summary jurisdiction.
TERMS AND CONDITIONS – PERSONAL LIABLITY COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. You must not admit liability, negotiate, make any promise, payment
or settlement without Our prior written consent (which will not be
unreasonably withheld, delayed or conditioned).
2. You must as soon as reasonably possible once You receive them,
send Us every letter, claim, writ, summons, process, notice of any
prosecution or inquest that relates to, or may give rise to, liability.
3. We may at any time make full and nal settlement of any claim
at Our cost up to the maximum limit as shown in the Schedule of
Benets pursuant of this Personal Liability Cover. If We do so, We will
have no further liability in respect of such Event or Events except for
the payment of costs and expenses incurred prior to the date
of settlement.
4. We may make any investigation We deem necessary.
EXCLUSIONS – PERSONAL LIABILITY COVER
(Please also refer to the General Exclusions applicable to all Sections
within this Policy).
We will not pay for or reimburse any costs arising from or relating to:
1. You intentionally incurring any liability;
2. injury to any person who is a member of Your family, a Close Relative
or under a contract of service or apprenticeship with You;
3. loss of or damage to any material property belonging to You, or in
Your care, custody or control, or belonging to a member of Your
family, a Close Relative, or anyone under a contract of service or
apprenticeship with You. This does not apply to loss of or damage
to buildings and their contents temporarily occupied by You during
a Trip;
4. liability You incur under a contract or agreement which You would
not have in the absence of such contract or agreement;
5. any unlawful, wilful or malicious act by You and including any assault
and/or battery committed by You;
6. aggravated, exemplary or punitive damages or the payment of any
ne or penalty;
7. liability arising out of the transmission of a sexually transmittable
disease or passing on an illness, virus or disease to another person;
8. liability arising directly or indirectly out of the ownership,
possession, control or use by You or on Your behalf of:
a. mechanically propelled vehicles, aircraft (including drones),
hovercraft or watercraft (other than non-mechanically propelled
watercraft less than 10 metres in length);
b. rearms; or