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What does “No cover will apply in respect of Personal Accident and Personal Liability” mean?

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What does “No cover will apply in respect of Personal Accident and Personal Liability” mean?

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Personal Accident – No cover will apply, if You suffer Accidental Bodily Injury during the Trip, which within 12 months is the sole and direct cause of death or disablement Personal Liability – No cover will apply, if in the course of a Trip You become liable for accidental bodily injury to, or the death of, any person and/or accidental loss of or damage to their property

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