Public and Products Liability Cover

This optional section is designed to cover sums which you are legally liable to pay as costs, expenses or damages in respect of accidental death or bodily injury to the public, or damage to third party property occurring during the period of insurance. You may wish to take this cover if you exhibit at exhibitions or open your model or garden railway to the public.

Cover can be further extended for your ride on locomotives and rolling stock (not exceeding a track width of 7.25 inches / 185mm) that form part or all of the model railway collection. Liability excludes the explosion of steam boiler(s) exceeding gauge 1 classification. Please refer to the Policy Wording Section 2 for full terms and conditions of cover.