You or your loved ones might unintentionally cause harm to other people.

Family third-party liability also covers you in these situations, among others:

• When walking or cycling
• When playing sport
• For damage caused to other people by your pet
• For damage caused to other people by your household or garden appliances

Remember that third-party liability for private incidents is available as an add-on to your HOME insurance policy.

Third-party liability for private incidents gives you the option of supplementing your insurance to meet your needs, including risks relating to:

• Lifts and motorised lifting devices
• Signs, advertising hoardings and illuminated signage
• Swimming pools