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The combined Third Party Liability and Physical Loss cover protects you from two basic risks under one insurance policy.
It will protect you if your equipment gets lost (e.g. will go overboard, will be destroyed by fire, will be damaged beyond repair) or if a Third Party will raise a claim against you because your equipment has damaged or destroyed Third Party property or has injured a person.
It will also protect you against unsubstantiated Third Party claims.
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