Bob, thanks I've read that now.
Below is an extract from my policy, got to confess I find it confusing! 2 questions, is this normal blurb for aircraft insurance polices? And is it stating that my indemnity, should I cause a passengers death and if proven not to be negligent is upto 3.5 mil.
Or, do I not have single limit liability?
Part 4
Particulars of Liability Limits of Indemnity
(Appropriate boxes to be completed – others to be marked “Not Applicable”)




Section 2 – Liability to Third Parties :
£
3,500,000
each Accident
Section 3 – Liability to Passengers :
£
125,000
each person
£
250,000
each Accident

Section 2 & 3 Combined – Combined Single Limit Liability to Third Parties & Passengers :
£

not applicable

each Accident


The limit of Underwriters’ liability in respect of the coverage provided by Extended Coverage Endorsement (Aviation Liabilities) AVN52E shall be the higher of either the combined sum of the limits of Section 2 (Liability to Third Parties) and Section 3 (Liability to Passengers) or Combined Single Limit stated above any one Accident and in the annual aggregate (the “sub-limit”). This sub-limit shall apply within the full Certificate limit and not in addition thereto.