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Personal liability abroad
Personal liability abroad covers you if you cause damage to others.
What is personal liability?
Personal liability is based on Article 1382 of the Civil Code:
«Any act committed by a person who causes damage to another shall render the person through whose fault the damage was caused liable.»
Liability is therefore intended to repair damage caused to others.
To obtain compensation, the victim must be able to provide evidence of:
- a fault (or event),
- damage (or injury),
- a causal link between the fault and the damage.
A person may, however, be cleared of liability if they can demonstrate that the damage was the result of a “force majeure” or caused by the victim or by a third party.
What does personal liability insurance cover?
This insurance covers the financial consequences of damage for which the insured is liable in a private capacity.
Details of the specific liability cover and exclusions under your policy can be found in the general conditions.
Why take out liability insurance abroad?
In France, liability insurance is usually included in your car or home insurance, although it is usually restricted to France.
This type of cover is recommended for expatriates because it is often difficult to take out liability insurance abroad and you can be liable for very large amounts if you are not insured.