When the damage is to someone else's property, who pays?
Civil liability is the obligation to compensate someone else for damage. Cover may already be included in your home policy, subject to limits and exclusions.
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Three everyday moments that turn into a bill.
Examples to help you know what to look for in the terms. They do not determine liability or whether a claim will be paid.
The bathtub flooded the flat below
If your neighbour's property is damaged, responsibility depends on who caused it and the circumstances. Check whether the policy covers that liability.
Your dog bit a passerby
An animal's keeper may be liable for damage caused by the animal. Check whether the policy covers that liability and on what terms.
Your child broke a glass pane with their bike
Liability for damage caused by a child depends on age, supervision and the circumstances. Insurance covers only what its terms provide.
Before you buy it, see if you already own it.
Check whether your home policy includes liability cover. Family can show possible overlaps; your adviser can explain whether the policies complement one another.
If an available check identifies a relevant point, we show it for confirmation. No finding does not mean cover is complete.
Liability check
Example check
Home policy · Section D
Family liability included
Possible duplicate cover
A separate liability policy overlaps Section D
Common questions: Liability
What does personal liability insurance cover?
Damage that you, your child or your pet cause to others — from a flood in the flat next door to a broken pane of glass.
Do I need a separate liability policy?
Not always. Many home policies already include it as a bundled cover — check before you buy it a second time.
How does PolicyWallet help with liability cover?
We read the document's cover and bring together points to check. Similar cover does not automatically mean unnecessary cost.
Browse the rest of the insurance categories.
See how we read documents in each category.
Motor
What the policy would pay — and roadside assistance gaps.
See the cover, limits and your share of a claim. Payment depends on the terms and the circumstances.
Property
Rebuild cost and the ENFIA tax discount, at a glance.
With Family, see whether your home is insured for less than it would cost to rebuild.
Health
What you pay out of pocket and where the hospital bills the insurer directly.
Find limits, exclusions and your share of expenses. Seek confirmation before planned hospital treatment.
Cyber
Cover for ransomware and for your work coming to a stop.
See what your policy provides for the moment of an attack — no digging through old documents.
Liability
Third-party damage — with a double-coverage check.
Review group and individual insurance together and ask how their benefits work together.
Legal Expenses
Lawyers and courts: what your policy pays for.
Traffic, employment and consumer disputes. See which cases are covered and which are excluded.
Group Health
Coordinate corporate benefits with personal coverage.
Similar cover does not always mean unnecessary cost. Check how benefits work together before making changes.
Group Life
Life and disability capital for every employee.
The benefit that completes the package next to group health and pension. See who is covered and for how much.
Group Pension
Contributions, employer match and tax deductions, made clear.
Know what happens when you leave, how much you have built up, and what tax deductions you are entitled to.
Life
Cover amount, serious illness and mortgage protection.
See whether your life policy's capital actually covers your family and your outstanding mortgage.
Travel
Emergency medical abroad, trip cancellation and Schengen limits.
Know what your travel policy covers — and whether limits meet visa requirements — before you fly, not at a foreign hospital.
Pension & Savings
Contributions, maturity and surrender terms without fine print.
Understand what you signed: lump sum or annuity, guaranteed component, and what an early surrender costs you.
Boat
Mandatory liability plus hull & machinery coverage.
Liability cover is mandatory in Greek waters. See what else your policy includes before you cast off.
Fine Art & Valuables
Each piece at its own value — and the conditions that keep it in force.
We read the schedule of items, the agreed values and the security conditions — like the alarm your policy takes for granted.
Business
Premises, equipment, interruption and liabilities in one view.
A business multi-risk policy has many sections. See which ones you hold and which are missing, at a glance.
Pet
Is leishmaniasis covered? And which conditions are excluded?
Know exactly what's covered and what isn't before the vet hands you the bill.
See where your cover overlaps.
Check what you already haveFree for 3 policies. Upgrade whenever you need it.
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