AA house insurance cover for personal accident

SophieBiscuit

my house insurnce is with Zurich via the AA.
I fell at home broke my wrist and front teethand it will cost 5K to fix

The AA say that I am not covered as under Section 2 - contents - Family Personal Accident, only loss of a limb or eye or total disablement is covered.

However, under Section 2 - Contents - Third Party Liability it states:

"Insurance is provided for any amounts which You or ant member of your Household becomes legally liable to pay in respect of Accidental bodily Injury, death, disease or illness of any person".

Is this just cover for a claim against me if someone has an accident in my ouse or can I claim under this section too?

tenchi-fan

No, you can't claim under that section.

A third party is someone other than yourself or the insurance company.

You can possibly recover some costs from your health insurer (if you have health insurance)

peteb2

+1

oldyouth

Section 2, which you have quoted, refers to where you (or your family) are responsible for injury or damage to others. In other words, if you cause a problem to members of the public

P_1

As the others said, you can only claim for injuries to a 3rd party, you can claim for a family personal injury but only for the reasons you have mentioned.