Section C - Liability to Other People and Their Property

We will pay:

• your car;
• any trailer being properly towed (in accordance with both the law and manufacturer's design specifications) by your car (for which cover is provided under this section) unless the trailer is being towed for hire or reward;
• any car driven by you, with the owner's express consent, within the UK as long as:
  • that car does not belong to you;
  • the car is insured by the car owner and you are entitled by the certificate to drive such a car;
  • the car is not hired to you under a hire purchase agreement;
  • you are permitted by the car owner to drive the car.

• a person's death or injury;
• damage to their property the most we will pay is up to a maximum of £20,000,000 (including all legal and other expenses) for any one claim or number of claims arising from one cause.

• any person driving your car with your permission, but only if your certificate names that person and allows that person to drive;
• any person using but not driving your car with your permission for social, domestic and pleasure purposes;
• any passenger travelling in or getting into or out of your car;
• the employer or business partner of anyone covered under this section of your policy as long as the certificate allows business use.

In the event of an accident involving a car insured under this section, we will also refund any payments that anyone using the car has made under the Road Traffic Acts for emergency treatment. (Any payments solely for emergency treatment will not affect your No Claims Discount.)

In the event of an accident involving a car insured under this section, we will pay for the following legal costs if they relate to an incident which is covered by this section:

• the fees of solicitors we appoint to represent anyone who is covered under this policy at a coroner's inquest or fatal accident inquiry, or to defend any proceedings in a court of summary jurisdiction;
• fees for legal representatives we ask to defend anyone we insure under this section when proceedings are taken for manslaughter, dangerous driving or careless driving when under the influence of drink or drugs causing death where there is a reasonable expectation of success.

We will not pay:

• for any liability if any person insured under this section does not keep to the terms, exceptions and conditions of this policy;
• for any liability for any person who either:
  • is aware that the named driver does not hold a valid licence to drive the car for the reason it is being used; or
  • fails to take all reasonable care that the named driver observes their licence conditions.
• legal costs and expenses incurred without our written consent;
• for anyone killed or injured while they are working with or for the named driver of the car unless we must provide cover under the Road Traffic Acts;
• any liability, loss, damage, cost or expense while any car is being used at any power station, extraction, production, refinery or storage premises for the nuclear, oil, gas, chemical, ammunition, explosive or pyrotechnic industries or at Ministry of Defence premises or at a military base. Except if the car is in an area designated for use by the general public;
• more than our liability under the Road Traffic Act if at the time of the accident the car you were insured to drive is not specified in Part 1 Registration Mark of Vehicle of the certificate;
• anyone we insure under this section, if the claim relates to loss or damage to property that belongs to them (either as owner or as joint owner) or is in their care;
• any loss or damage to the car covered by this policy.

Our right to get back what We have paid

If, under the law of any country this policy covers you in, we have to make a payment which we would not otherwise have paid under this policy, we may recover any claim payment from you or from the person who the claim was made against.

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