All sums which the Insured or co-insureds in his/her or their private capacity shall become legally liable to pay as compensation.
Accidental death or bodily injury to or illness of any person OTHER than a person who is the Insured/co-insureds or who is in the employment of the Insured/co-insureds.
Accidental physical loss of or damage to tangible property OTHER than property belonging to or leased, let, rented, hired or lent to or held in trust by or in the charge/custody of the Insured/co-insureds.
Cover on this section is extended to include the following:
Credit cards and/or credit vouchers.
Veterinary expenses in respect of domestic animals (dogs and cats ONLY), where injury is a result of a road accident.
Hole-In-One (NOT applicable in respect of professional golfers!)