Coverage is provided for third parties arising from the negligence of the insured. Cover is provided against:

• The death of or injury to any person
• Damage to their property
• Emergency treatment payment
• Legal costs incurred as a result of an accident
  • In defending a legal action for damages, including claimant's costs awarded against the policyholder
  • Legal fees for representation at an inquest or in a court of summary jurisdiction
  • In defending a charge of manslaughter up to prescribed limits