Does the policy cover car parks and pavements ?
Car parks and pavements are included within the definition of buildings and covered by the policy as long as the reinstatement cost is included within the buildings sum insured. A claim could be made for damage as long as the damage was caused by an insured peril.
Public Liability cover is extended to cover car parks, The committee have a duty to maintain the external areas and ensure they are lit where appropriate. If a vehicle in the car park is damaged it would only be covered if it were proved that the damage was caused as a result of negligence from the committee.