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Travel Insurance Including Third Party Liability

Need personal liability included in your travel insurance? We compare companies which offer this as standard.

Personal Liability Travel Insurance that can cover winter sports

MPI Brokers
  • Up to £5 million personal liability
  • Optional winter sports cover
  • There is personal liability cover for damage to temporary accommodation which is a legal requirement in France
  • They can cover personal liability whilst participating in ski hosting, leading, teaching or lecturing on a non-professional and voluntary basis.


Columbus Direct
  • Up to £2 million personal liability cover
  • Option to add winter sports
  • Winter sports option includes cover for equipment and your lift pass
  • Family policy available
  • Annual or Single Trip Policies with extra discounts when purchased through MoneyMaxim


Insure with Ease
  • Up to £2 million personal liability cover
  • Policies available for over 75s
  • Ski Insurance policy option
  • Ski insurance includes ski pack to cover prepaid ski lessons and lift pass
  • Can take ski insurance upgrade to cover equipment up to £2000.


Staysure Travel Insurance
  • Up to £2 million in personal liability cover
  • Winter Sports Insurance
  • Up to £500 winter sports equipment cover
  • Winter sports comes as standard if you purchase a comprehensive annual travel insurance policy with Staysure.


Personal Liability Travel Insurance which can include cover for pre-existing illness

Just Travel Cover


Insure for Travel
  • Up to £2 million in personal liability cover with Diamond policies
  • Online screening for pre existing medical conditions
  • Covers over 75s on senior citizens policy


Staysure Travel Insurance
  • Up to £2 million in personal liability cover
  • Multiple choices of cover level
  • Over 220 pre existing medical conditions covered free
  • Travel insurance for the over 50s with a medical condition
  • Long-stay policies available


skis and poles on snow slope

Third Party Liability Insurance - also known as Personal Liability Insurance or Private Liability Insurance - can be an essential part of your travel insurance. Third Party Liability Insurance covers claims made against you by a third party for injuries to themselves or damage to their property.

When might I need third party liability insurance with travel insurance?

Any insurance is about protecting you should the unfortunate occur and personal liability insurance is no different. If you were out hiking, stumbled and pulled someone else over as you fell, that person could make a claim against you for any injuries they sustain. Third party liability insurance can also cover you should you inadvertently cause major damage to your holiday accommodation. Some sporting activities may also require you to have third party liability cover.

Will my travel insurance cover third party liability if I am skiing?

Travel insurers that offer winter sports cover often include personal liability as standard. Do always check that you have the right cover for the winter sports you will be taking part in as cover can vary. Some insurers will not cover off-piste skiing and others will not cover more adventurous winter activities. You will also need to make sure you have the right equipment. Italy, for example, has made third party liability insurance compulsory for skiing in their resorts and children under 18 must wear a helmet.

What is not covered by personal liability insurance?

There are often exclusions from liability cover and you should read these carefully before purchasing any policy. Commonly claims for accidents involving a motorised vehicle are excluded. If you are driving a car you should ensure you have adequate car insurance. This exclusion would also mean that accidents involving jet skis, skimobiles or skidoos are also not covered.

Other areas which are often excluded are where a weapon such as a firearm is involved, or when injuries or damages were caused by an animal. If you were taking part in an illegal activity at the time of the incident, you are also not likely to be covered.

Which travel insurers offer personal liability insurance

If you click the Get a Quote button above you will be offered a range of Travel Insurance policies - click through to the policy documents for each policy and you will be able to find the cover offered by each.

We also detail companies in the boxes on this page which offer a good level of cover for third party liability insurance. Compare policies here or through our standard.travel insurance comparison page. If you have any questions or would like further assistance regarding your travel insurance then please contact us for further assistance. We will be delighted to help you.

This content was last reviewed on 20/12/2023

Image courtesy of: Pixabay