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Family Liability / Hunter's Liability

This is an insurance policy which covers damages caused to third parties arising from your private life, such as liability pertaining to family members or hunting activities.

Hunters’ liability insurance is legally required.

FAQ - Family Liability / Hunter's Liability

Liability insurance can take on a number of forms, covering, among other things, damages arising from actions and/or omissions of household members or pets.

Liability insurance can take on a number of forms, covering, among other things, damages arising from actions and/or omissions of household members or pets.

Liability insurance is optional, and will include whichever forms of cover and exclusions are defined in the contract. It generally covers damage to property and injuries caused to third parties by the insured or members of their household, as a result of actions or omissions expressly provided for in the specific, special and general conditions of the insurance contract.

Liability insurance normally excludes damages arising from actions or omissions carried out with intent, or deliberate disregard for legal rules and regulations.

The following are also normally excluded:

•    Damages caused to the insured, members of their household or persons for which they are responsible.

•    Damages arising from fines or penalties, costs related with criminal proceedings, road traffic accidents, work accidents, natural disasters, acts of war, sabotage, terrorism or others.

•    Damages caused while under the influence of alcohol, drugs or narcotics, by epilepsy or transmission of contagious diseases.

•    Complementary compensation which the insured is ordered to pay by judicial ruling as a punitive or compulsory measure.

•    Damages caused to third party property entrusted to the insured.

•    Damages resulting from late or non-compliance with a contract or other legal instrument.

The policyholder or insured must inform the insurer, generally within 48 hours, of any event of which they become aware which may result in liability on the part of the insurer, of any request for compensation made by an affected party or of any civil or criminal proceedings under way. They should then send written notification of the event, within 8 days. The insured may not propose or offer the affected party any amount of compensation without authorisation from the insurer, nor provide advice or assistance or make advance payments in the name and on behalf of the insurer without its prior consent.

Compensation will be calculated taking into account the assessment of damages and the insured amount. If the compensation amount is lower than the insured amount, the insurer will also cover any costs of an exclusively judicial nature (arising from the proceedings). If the compensation exceeds the insured amount, the insurer will not cover any judicial costs, and will cover the damages up to the insured amount. If multiple parties are affected by the same event and the damages exceed the insured amount, the liability of the insurer shall be reduced in proportion to the respective amounts of the damages suffered, up to the insured amount.

Important aspects of the insurance contract:

•    The insurer’s liability is limited to the insured amount specified in the specific conditions, regardless of the number of parties affected by the event.

•    Communication and notifications between the insurer and the insured must be made by registered letter or other means resulting in a written record.

•    The amount of the premium due shall correspond to the duration of the contract and must be paid in full, although it may be divided into instalments.

•    Unless otherwise agreed, coverage of the risk by the insurer only begins after payment of the premium or first instalment thereof.

•    The parties may agree that cover shall become effective 30 days before the due date of the premium or first instalment thereof - however, the validity of the cover shall always depend on the payment of the premium or instalment.

•    In the event of automatic contract renewals, the insurer must notify the policyholder in writing, at least 30 days before the date on which the premium or instalment is due, specifying the date and amount due, as well as the consequences of failing to make the payment on the specified date.

•    Inaccurate declaration of facts or circumstances of which the policyholder or insured were aware shall render the contract invalid (void), as a result of which it shall have no effect should a claim event occur.