Is damage to my own property covered? Matt Owen 04 October 2023 09:15 Updated Public Liability insurance will not cover damage to your own property such as your phone, your bike or your vehicle. Related articles What should I do in case of an accident? I have an injury after an accident, what should I do? Someone would like to make a claim against me, what should I tell them? What is included in 'Wellbeing'? How is a Public Liability claim handled?