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Third party insurance protects the policyholder against liability of death or bodily injury to third party up to HK$ 100 million (US$12.87 million) and/or damage to third party property up to HK$ 2 million (US$257,400.26) as a result of crash arising out of the use of the insured vehicle. [18]
Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.
Penalties for not purchasing insurance vary by state, but often include a substantial fine, license and/or registration suspension or revocation, and possible jail time. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.
For the past few years, 3 per cent of customers had bought third-party policies, but that has now risen to 4 per cent. Experts say the move is risky and ‘deeply concerning’ (Getty)
The P&I Club's primary business is providing P&I cover to shipowners and charterers worldwide. The insurance is comprehensive and includes cover for third party legal liabilities in respect of: People claims; Collisions; Damage to fixed and floating objects; Pollution; Wreck removal; Cargo claims; Fines or other penalties.
Potential insurance risks when hosting a party. Many event-related risks can be mitigated before anything happens. Here are a few potential issues to keep in mind when planning an event.
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