Here's what my policy (Direct Line) says (my bold)...
We will pay all amounts you become legally liable to pay as damages in your capacity as occupier of your home, or for any other reason, as a result of:
a) accidental death of or bodily injury to any person;
b) accidental loss of or damage to property, which happened during the period of insurance shown in your schedule.
But not Liability for:
a) death of or bodily injury to you or your domestic staff;
b) damage to property belonging to or in the custody or control of you, or your domestic staff;
c) claims caused by the following:
i) you owning any land or building, or you occupying any land or building except your home or temporary holiday accommodation;
ii) any business;
iii) an agreement unless that liability would have existed anyway,
d) you owning, keeping or using any:
i) vehicles except the following while being used for their intended purpose and by a person for whom they were designed: ride on lawnmowers, electrically powered wheelchairs and mobility scooters, electrically powered children’s ride on toys, electrically assisted bicycles and pedestrian controlled electrically powered golf trolleys;
ii) caravan while being towed;
iii) watercraft, hovercraft, land yacht or any other wind powered or wind assisted vehicles, windsurfers, kite boards and aircraft except hand-propelled craft or models;
iv) animals except domestic pets;
v) horses, donkeys or mules;
vi) dangerous dogs as described under the Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1983 and any changes to that legislation.
e) any communicable disease (one able to be passed from one person to another).
'Vehicle' is defined elsewhere as something with a motor (i.e. doesn't include a bike). Cover is £2m. I think I'm covered...
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