Common use of Liability to the public Clause in Contracts

Liability to the public. Liability arising directly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• ownership of any land or building,• any business, profession or trade,• racing, hunting or playing polo,• any wilful, malicious, deliberate or reckless act. • the transmission of Human Immune deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused,the transmission of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from the ownership or use of:• aircraft (except toys and models), mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control. • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending legislation to this Act,• watercraft (except toys and models), sailboards or hovercraft,• firearms (except shotguns or airguns used for sporting activities),• animals (except horses and pets which are normally domesticated in the Republic of Ireland) Liability arising directly or indirectly from the ownership, possession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possession, use or control is not in accordance with the provisions of such regulations, • horses are not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or amendments thereto. Liability for: • bodily injury to a member of your household or any other person permanently residing with you, or to a person under a contract of ser vice or apprenticeship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person permanently residing with you.

Liability to the public. Liability arising directly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• under, • ownership of any land or building,• building, • any business, profession or trade,• trade, • racing, hunting or playing polo,• polo, • any wilfulwillful, malicious, deliberate or reckless actact committed by anybody living in the home. • the transmission of Human Immune deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused,, • the transmission of any communicable disease, by you or a member of your household. The most we will pay payfor any one claim or number of claims Liability arising directly or indirectly from the ownership or use of: arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised golf buggies on a golf course, The most we will payunder this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from the ownership or use of:• aircraft (except toys and models), mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control. ) • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending anysubsequent amending legislation to this Act,• Act, • watercraft (except toys and models), sailboards or hovercraft,• hovercraft, • firearms (except shotguns or airguns used for sporting activities),• activities), • animals (except horses and pets which are normally domesticated in the Republic of Ireland) Liability arising directly or indirectly from the ownership, possession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possession, use or control is not in accordance with the provisions of such regulations, • horses are is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or amendments thereto. Liability for: • bodily injury to a member of your household or any other person permanently residing with you, or to a person under a contract of ser vice service or apprenticeship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person permanently residing with you.

Liability to the public. Liability arising directly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• under, • ownership of any land or building,• building, • any business, profession or trade,• trade, • racing, hunting or playing polo,• polo, • any wilfulwillful, malicious, deliberate or reckless act. • the transmission of Human Immune deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused,, • the transmission of any communicable disease, by you or a member of your household. The most we will pay for payfor any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from the ownership or use of:• of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold golf buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) The most we will payunder this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending anysubsequent amending legislation to this Act,• Act, • watercraft (except toys and models), sailboards or hovercraft,• hovercraft, • firearms (except shotguns or airguns used for sporting activities),• activities), • animals (except horses and pets which are normally domesticated in the Republic of Ireland) Liability arising directly or indirectly from the ownership, possession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possession, use or control is not in accordance with the provisions of such regulations, • horses are is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or amendments thereto. Liability for: • bodily injury to a member of your household or any other person permanently residing with you, or to a person under a contract of ser vice service or apprenticeship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person permanently residing with you.

Liability to the public. Liability arising directly direc tly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary te mpora ry holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation c om pens ation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• under, • ownership of any land or building,• building, • any business, profession or trade,• trade, • racing, hunting or playing polo,• polo, • any wilfulwillful, malicious, deliberate or reckless actact committed by anybody living in the home. • the transmission transmiss ion of Human Immune deficiency defic iency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome Defic iency S yndrome (AIDSA IDS) and/or any mutant derivative deri vative or variations thereof however caused,, • the transmission transmiss ion of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims Liability arising direc tly or indirectly from the ownership or use of: arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from the ownership or use of:• • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold golf buggies on a golf course, The most we will pay under this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). motorised wheelchairs or use of a vehicle solely as a passenger having no right of control. ) • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory c ▇▇ ▇▇▇▇ ▇▇▇ insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending anysubsequent amending legislation to this Act,• Act, • watercraft (except toys and models), sailboards or hovercraft,• hovercraft, • firearms (except shotguns or airguns used for sporting activities),• activities), • animals (except horses and pets which are normally domesticated nor mally dom es tic ated in the Republic of Ireland) Liability arising directly direc tly or indirectly from the ownership, possession▇▇▇▇ ▇▇▇▇ on, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possessionpossess ion, use or control is not in accordance acc ordance with the provisions of such regulations, • horses are is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or amendments am endm ents thereto. Liability for: • bodily injury to a member of your household or any other person permanently p erm anently residing with you, or to a person under a contract of ser vice service or apprenticeship apprentic eship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person permanently perm anently residing with you.

Liability to the public. Liability arising directly direc tly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary te mpora ry holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation c om pens ation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age damage to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• under, • ownership of any land or building,• building, • any business, profession or trade,• trade, • racing, hunting or playing polo,• polo, • any wilfulwillful, malicious, deliberate or reckless act. • the transmission transmiss ion of Human Immune deficiency defic iency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome Defic iency S yndrome (AIDSA IDS) and/or any mutant derivative deri vative or variations thereof however caused,, • the transmission transmiss ion of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly direc tly or indirectly from the ownership or use of:• of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold golf buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control) The most we will pay under this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory c ▇▇ ▇▇▇▇ ▇▇▇ insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending anysubsequent amending legislation to this Act,• Act, • watercraft (except toys and models), sailboards or hovercraft,• hovercraft, • firearms (except shotguns or airguns used for sporting activities),• activities), • animals (except horses and pets which are normally domesticated nor mally dom es tic ated in the Republic of Ireland) Liability arising directly direc tly or indirectly from the ownership, possession▇▇▇▇ ▇▇▇▇ on, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possessionpossess ion, use or control is not in accordance acc ordance with the provisions of such regulations, • horses are is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or amendments am endm ents thereto. Liability for: • bodily injury to a member of your household or any other person permanently p erm anently residing with you, or to a person under a contract of ser vice service or apprenticeship apprentic eship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person permanently perm anently residing with you.

Liability to the public. Liability arising directly or indirectly from: Any An y amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age to property. • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• under, • ownership of any land or building,• building, • any business, profession or trade,• trade, • racing, hunting or playing polo,• polo, • any wilful, malicious, deliberate or reckless act. • the transmission of Human Immune deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused,, • the transmission of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from the ownership or use of:• of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control. • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending legislation to this Act,• Act, • watercraft (except toys and models), sailboards or hovercraft,• hovercraft, • firearms (except shotguns or airguns used for sporting activities),• activities), • animals (except horses and pets which are normally domesticated in the Republic of Ireland) Liability arising directly or indirectly from the ownership, possession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possession, use or control is not in accordance with the provisions of such regulations, • horses are not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or amendments thereto. Liability for: • bodily injury to a member of your household or any other person permanently residing with you, or to a person under a contract of ser vice or apprenticeship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person permanently residing with you.

Liability to the public. Liability arising directly or indirectly from: Any amounts which you or a member of your household: • as occupier of the premises or any other building, boat or caravan used as temporary holiday accommodation, • as a private individual anywhere in the Republic of Ireland, Great Britain, the Isle of Man, the Channel Islands or Northern Ireland or elsewhere for 30 days, becomes legally liable to pay as compensation for an accident occurring during the period of insurance which causes bodily injury to any person or loss of or dam age damage to property. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). The most we will pay under this paragraph and paragraph 18 combined for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from: • an agreement which imposes a liability which you or a member of your household would not otherwise have been under,• under, • ownership of any land or building,• building, • any business, profession or trade,• trade, • racing, hunting or playing polo,• polo, • any wilfulwillful, malicious, deliberate or reckless act. • the transmission of Human Immune deficiency Virus (HIV) and/or HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused,, • the transmission of any communicable disease, by you or a member of your household. The most we will pay for any one claim or number of claims arising from one cause is €3,000,000 (This includes all costs agreed by us in writing). Liability arising directly or indirectly from the ownership or use of:• of: • aircraft (except toys and models), • mechanically propelled vehicles including e-bikes and e-scooters (except domestic garden implements used within the boundary of the premises, motorised gold golf buggies on a golf course, motorised wheelchairs or use of a vehicle solely as a passenger having no right of control. ) • any trailer caravan or vehicle trailers whether attached or not attached to a vehicle which arises in situations where compulsory insurance must be arranged under the Road Traffic Act 1961 or any subsequent am ending amending legislation to this Act,• Act, • watercraft (except toys and models), sailboards or hovercraft,• hovercraft, • firearms (except shotguns or airguns used for sporting activities),• activities), • animals (except horses and pets which are normally domesticated in the Republic of Ireland) Liability arising directly or indirectly from the ownership, possession, use or control of: • dangerous dogs as specified in regulations made under the Control of Dogs Act 1986 or amendments thereto is not covered if such ownership, possession, use or control is not in accordance with the provisions of such regulations, • horses are is not covered if such ownership, possession, use or control is not in accordance with Local Authority Bye-laws as made under the Control of Horses Act 1996 or amendments thereto. Liability for: • bodily injury to a member of your household or any other person permanently residing with you, or to a person under a contract of ser vice service or apprenticeship with you or a member of your family, • loss or damage to property owned or held in trust by or in the custody or control of you or a member of your household or any other person permanently residing with you.