In what situations does private civil liability apply?
We asked our product managers to give us some examples of frequent damage that is covered by Civil Liability insurance.
The story of the flying controller
Your son has gone to play at a school friend’s house. When he gets home he has a guilty look on his face… He confesses that he was chasing ghosts in a video game on his friend’s Wii when the controller slipped out of his hands and flew into the television. The consequences? A big screen TV split from top to bottom.
The dog that didn’t like being left alone
While walking your dog, you bump into a friend who lives nearby. Delighted with this unexpected encounter, she invites you round for a coffee. You leave your dog in the conservatory so it won’t disturb you. When you return, the room is covered with a thick carpet of yellow foam. Underneath, you can see all that remains of the swing seat.
The tall ladder
On a Sunday in October, you’re checking that your gutter isn’t blocked up with dead leaves. You climb back down carefully, everything is fine. But, when putting the ladder away, you miscalculate the trajectory and the ladder hits your neighbour’s car. The consequences: a 20cm scratch on the bodywork.
The person who met people outside cafés
Summer and winter alike, café terraces are your favourite place. You love to meet new people and spontaneously strike up a conversation with people sitting at tables nearby. One evening, having launched into an animated conversation, you wave your arms around to back up your explanations when suddenly you knock a gigantic multicoloured cocktail over your neighbour’s state-of-the-art ski jacket (you know, the one that’s worth a small fortune…).
The most trivial situations can lead you to have to repay large sums. Fortunately, private Civil Liability insurance is there to protect you, except in certain situations.