Personal Liability Cover | Travel Insurance from Essential Travel

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Personal Liability Travel Insurance

Personal liability cover is intended for those unexpected incidents where you might be held financially responsible for damages you caused to another person or their property.

Personal liability is included under our Single Trip, Annual Multi Trip and Backpacker policies.

Quote Options for Personal Liability

Our policies provide cover against personal liability - including liability for sports if you have the correct Sports or Winter Sports cover*.

You can expect the following personal liability cover depending on which of our quote options you choose:

Cover Limit Excess
Essential up to £1 million £100
Essential Plus up to £1 million £100
Superior Policy up to £2 million £75

*Please note that some high risk sports are excluded from personal liability cover. See your policy booklet for more details.

Experts' Tip - you can purchase an Excess Waiver when you book travel insurance so that you don't need to pay any excess when you claim. This also covers the higher excesses that come with added cover for sports, helping you to save more.

24 Hour Emergency Helpline

If you do cause an accident and have any claims against you, you have access to our 24 hour emergency helpline. Use this service for advice on the specific procedures you need to follow after your accident.


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*Terms & Conditions apply

Essential Travel is a trading name of Holiday Extras. Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent. ME19 4UY. Company number 03220410.