Partner Liability Insurance Policy Summary
V17 - 01 .10.2023

This document provides a summary of the significant features, benefits and limitations of the cover provided by the Partner
Liability Insurance policy. If you have any questions on the cover provided by the Partner Liability Insurance policy, pleasecontact the claims administrator Crawford & Company International Inc (“Crawford”) through the following contact
information: Booking.comHelp@crawford.com

Partner Liability Insurance
Partner Liability Insurance (PLI) may cover Partners for sums they become legally obligated to pay as damages because of“bodily injury” or “property damage” to guests, or other third parties, as a result of an event that happens during a guest
stay at a home-like property that has been booked via the Booking.com platform. The PLI does not provide coverage fordamage or loss to the Partner’s property.
The following Booking.com property types are considered home-like property types: Aparthotel, Apartment, Bed andBreakfast, Camping, Country House, Chalet, Condo, Cottage, Farm Stay, Gite, Guest House, Holiday Home, Holiday Park,
Homestay, Riad, Ryokan, Stationary Houseboat, Tented Camp, Villa.

Who Underwrites the Partner Liability Insurance Policy
The PLI provides insurance underwritten by Zurich Insurance Company Ltd. (hereby referred to as Zurich) or its global
partners.
Zurich Insurance Company Ltd is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory
Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct
Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the
Prudential Regulation Authority are available from us on request. Our firm reference number is 959113.
Zurich Insurance Company Ltd. A public limited company incorporated in Switzerland. Registered in the Canton of Zurich,
No. CHE-105.833.114, registered offices at Mythenquai 2, 8002 Zurich. UK Branch registered in England and Wales noBR000105. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.
Communications may be monitored or recorded to improve our service and for security and regulatory purposes.
©Copyright – Zurich Insurance Company Ltd 2023. All rights reserved. Reproduction, adaptation, or translation without
prior written permission is prohibited except as allowed under copyright laws.
Zurich Insurance Europe AG is an insurance company registered in the Commercial Register at the Local Court in Frankfurt
am Main, with registered office at Platz der Einheit 2, 60327 Frankfurt am Main, Germany. It is supervised by the BaFin Federal Financial Supervisory Authority and authorized to operate in Spain under the right of establishment through its
branch Zurich Insurance Europe AG, Sucursal en España.
Zurich Insurance Europe AG, Sucursal en España, Tax ID W0072130H, whose registered address is Paseo de la Castellana 81,
planta 22, 28046 Madrid, is registered in the Directorate General of Insurance and Pension Funds Administrative Registrywith code no. E0189.
Pursuant to section 123 of Royal Decree 1060/2015, of 20 November, on the organisation, supervision and solvency of
insurers and reinsurers, it is hereby stated that Spanish liquidation regulations will not apply in the event of the liquidationof the insurer.
Communications may be monitored or recorded to improve our service and for security and regulatory purposes.
©Copyright – Zurich Insurance Europe AG 2024. All rights reserved. Reproduction, adaptation, or translation without priorwritten permission is prohibited except as allowed under copyright laws.

The PLI policy is issued by the following insurance companies across the United Kingdom (UK), European Economic Area
(EEA), Rest of the World (ROW) and the United States of America (USA)●In the UK and ROW, the PLI policy is underwritten by Zurich Insurance Company UK Ltd (Zurich Commercial
Insurance UK, 70 Mark Lane, London EC3R 7NQ);●

In the EEA, the PLI policy is underwritten by Zurich Insurance Europe AG (Sucursal en España, C/ Paseo de laCastellana 81, pl 22, 28046 Madrid); and●In the USA, the PLI Policy is underwritten by Steadfast Insurance Company (4 World Trade Center, 150
Greenwich Street, New York, NY 1000 ).

Countries Included
The PLI is available for every stay booked through the Booking.com platform in most of the locations in which Booking.com
operates.
Note that some locations are not yet covered by the PLI program. For a list of the countries/locations which are covered by
Zurich Insurance Company Ltd or one of its global partners under the PLI program, please refer to Appendix A of thisdocument.
In the event that your location is not listed in Appendix A, please notify Booking.comHelp@crawford.com, to inform
Booking.com via Crawford (who acts as a claims administrator) in relation to claims in locations where the PLI is notavailable and Booking.com will assess your situation.
The PLI is not provided in sanctioned countries, territories or to sanctioned individuals which, as of the date of publishing
this policy summary, includes (but may not be limited to): Crimea, Cuba, Iran, Syria, North Korea, South Sudan.
In the province of Québec (Canada), the operator of a tourist accommodation establishment under the Tourist
Accommodation Act must take out and maintain civil liability insurance for at least $2,000,000 per claim that covers bodily
injury and property damage caused in the course of operation of the establishment. The coverage afforded by the Partner
Liability Insurance Policy does not satisfy this requirement. Partners are solely responsible for obtaining all minimum
liability insurance required by law.
The countries where the PLI is available may be updated from time to time. If you have any questions on whether yourlocation is covered, please contact Booking.comHelp@crawford.com.

Policy Period
The term of the policy commences on 01 October 2023 and ends on 31 December 2024.

Eligibility for coverage
A Partner may be covered under the PLI policy if the incident that results in the Partner's legal liability for either a “bodily
injury” or “property damage” claim occurs during the Rental Period of an Accommodation that is owned or controlled bythat Partner but only when the rental of the Accommodation was affected through the Booking.com platform and if theRental Period of the Accommodation commences during the policy period.
1.

2.

Accommodation – Accommodation means a residential or other home-like property that is:a.

Owned or controlled by the Partner;b.

Listed on the Booking.com platform; andc.

Booked by a third-party using the Booking.com platform who has consented to the Booking.com Termsof Service.

Partner – Partner means a person or an entity who:a.

Has completed the Booking.com account registration process, including consenting to the Booking.com
Terms of Service; andb.

Lists their Accommodation on the Booking.com platform.

Partner also includes a person or persons providing Partner related services such as full or part time servants ordomestic staff. Anyone who resides at or has an ownership interest in may be covered by the PLI subject to thesame terms and conditions applicable to the Partner. If you have queries regarding this or need clarification as towhether you are covered then please contact Booking.comHelp@crawford.com if you need any additional
information.
3.

Rental Period – Rental Period means the period of time that an Accommodation is rented out to a guest by aPartner. Rental period commences at 12:01 am local time on the check-in date and ends 11:59 pm local time on
the check-out date or for a period of 12 hours before and after such other time agreed to by the Partner not toexceed a 24-hour period. A Rental Period and coverage is not in place if the guest has not checked into theaccommodation.

Cover Limit
You may be covered for EUR1,000,000 for EEA Countries, GBP1,000,000 for United Kingdom, USD1,000,000 for all otherCountries listed in Appendix A for each 'incident' which means accident as a result of any injury or damage to a guest or
third party whilst residing at the Partners property with a total limit available for each Accommodation of EUR1,000,000 for
EEA Countries, GBP1,000,000 for United Kingdom, USD$1,000,000 for all other Countries listed in Appendix A for any andall 'incidents' occurring during the Policy Period of the PLI (as set out above).
There is also an aggregate programme limit applied to the insurance available which means should an ‘incident’ occur andmore than 10 Guests are injured as a result of this one ‘incident’, then the Guests can make a claim subject to the terms
and conditions of the Policy but a total aggregate limit of EUR10,000,000 for EEA Countries, GBP10,000,000 for United
Kingdom and USD10,000,000 for all other Countries listed in Appendix A will apply in respect of all Partners and their
Accommodation. Once the aggregate limit has been reached in relation to any one ‘incident’ no further claims will be paid
under this Policy.
Please refer to the policy wording which provides full details of the terms and conditions of the PLI policy, this can beobtained via Marsh who can provide a copy to you, please enquire at the following email address:
BookingPolicySummary@marsh.com.

Significant Exclusions or Limitations Summary
Aircraft, Auto or Watercraft
Bodily injury or property damage arising out of the ownership, maintenance, use or entrustment to others of any Aircraft,
Auto or Watercraft including loading or unloading.
This exclusion does not apply to:1)

A Watercraft while ashore on premises that the Partner owns or rents;

2)

A Watercraft that is:i.

Less than 26 feet or 7.9248 metres long; andii.

Not being used to carry persons or property for a charge;

3)

A Watercraft which is an “accommodation”, but only while such Watercraft is being used as an “accommodation”
and is docked or on a mooring;

4)

A Watercraft which is an “accommodation”, but not docked or on a mooring, while being used within inland or
coastal waters during a Rental Period;

5)

Parking an Auto on, or on the ways next to, premises that the Partner owns or rents, provided the Auto is not
owned by or rented or loaned to you the Guest or the insured;

6)

Liability assumed under any “insured contract” for the ownership, maintenance or use of Aircraft or Watercraft;

7)“Bodily injury” or “property damage” arising out of:

i.
The operation of machinery or equipment that is attached to, or part of, a land vehicle that would
qualify under the definition of “mobile equipment” if it were not subject to a compulsory or financial
responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged; orii.
The operation of any of the machinery or equipment listed in Paragraph f (2) or f (3) of the definition of“mobile equipment”.
8)

An “Auto” which is an “accommodation”, but only while such “Auto” is being used as an “accommodation” and isparked, towed, or not operating under its own power;

9)An “Aircraft” which is an “accommodation”, but only while such “Aircraft” is being used as an “accommodation”
and is parked, towed, or not operating under its own power.

Asbestos & LeadAll losses relating to Asbestos and Lead are excluded.
Assault & Battery
All losses, costs, damages, expenses, injury claims or suits excluded.
This exclusion only applies to an insured who actually or allegedly committed or attempted to commit such assault and/or
battery.

Chinese Drywall
Bodily Injury or Property Damage arising from drywall and similar materials that were manufactured or originated in China(or components thereof).
Contractual Liability
Bodily Injury or Property Damage for which the insured is obligated to pay damages by reason of the assumption of liability
in a contract or agreement.
This exclusion does not apply to liability the insured would have in the absence of the contract or agreement
Cross Suits
Bodily Injury or Property Damage arising from claims or Suits brought by any Named Insured against another Named
Insured.
Damage To Your (Partner) Own Property
Damage to your property (personal property, fixtures or your accommodation etc.) you own, rent, loaned to you, in yourcase, custody or control or occupied by you.
Damage To Impaired Property
Damage to property arising out of a pre-existing defect, deficiency, inadequacy or dangerous condition of the property
damaged.
Distribution Of Material In Violation Of Statutes
Bodily Injury or Property Damage arising directly or indirectly out of any action or omission that violates or is alleged toviolate The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; or The
CAN-SPAM Act of 2003, including any amendment of or addition to such law; or any statute, ordinance or regulation, otherthan the TCPA or CAN-SPAM Act of 2003, that prohibits or limits the sending, transmitting, communicating or distribution ofmaterial or information.
Electronic Data

Damages or compensation for the loss of, loss of use of, damage to, corruption of, inability to access, or inability tomanipulate electronic data.
Employment Related Practises
Bodily Injury to a person arising out of any refusal to employ that person; termination of that person’s employment; oremployment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline,
defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; including the spouse,child, parent, brother or sister of that person as a consequence of Bodily Injury to that person at whom any of theemployment related practices described is directed.
Employers Liability
Bodily Injury to an Employee of the insured arising out of and in the course of employment by the insured; or performing
duties related to the conduct of the insured’s business; or the spouse, child, parent, brother or sister of that Employee.
Expected Or Intended Injury
Bodily Injury or Property Damage expected or intended from the standpoint of the insured.
This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property
Fungi or Bacteria
Bodily Injury or Property Damage which would not have occurred, in whole or in part, but for the actual, alleged or
threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any Fungi or bacteria on orwithin a building or structure, including its contents, regardless of whether any other cause, event, material or productcontributed concurrently or in any sequence to such injury or damage. Losses, costs or expenses for the abatement, testing
and removal are also excluded.
This exclusion does not apply to any “fungi” or bacteria that are, are on, or are contained in, a good or product intended for
consumption, including food and beverages made available by the “partner”
Liquor Liability
Bodily Injury or Property Damage for which any insured may be held liable by reason of causing or contributing to theintoxication of any person, the furnishing of alcoholic beverages to a person under the legal drinking age or under the
influence of alcohol; or any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic
beverages.
This exclusion does not apply to “partners” that make available or permit a third party to bring alcoholic beverages in or toan “accommodation”
Mobile Equipment
Bodily Injury or Property Damage arising out of the transportation of Mobile Equipment by an Auto owned or operated byor rented or loaned to any insured; or the use of Mobile Equipment in, or while in practice for, or while being prepared for,any prearranged racing, speed, demolition, or stunting activity.
This exclusion does not apply to “mobile equipment” which is an “accommodation”, but only while such “mobile
equipment” is being used as an “accommodation” and is parked, towed, or not operating under its own power.
Personal & Advertising Injury
Bodily Injury arising out of Personal and Advertising Injury.
Punitive or Exemplary Damages
If a covered Suit is brought against the insured, seeking both compensatory and punitive or exemplary damages, fines, or
penalties, then we will afford defense to such action, without liability, for such punitive or exemplary damages, fines or
penalties.

This exclusion does not apply to punitive damages where such punitive damages are insurable by law
Pollution
Bodily Injury or Property Damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration,
release or escape of Pollutants.
This exclusion does not apply to “Bodily injury” if sustained within an “accommodation” during a “rental period” andcaused by smoke, fumes, vapor, soot, or poisoning by carbon monoxide; or "Bodily injury" if sustained within an“accommodation” during a “rental period“ and caused by smoke, fumes, vapor or soot produced by or originating fromequipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use,by the building's occupants or their guests; or “Bodily injury” or “property damage” arising out of heat, smoke or fumes
from a “hostile fire” arising from an “accommodation” during a “rental period”.
Sexual Abuse Or Molestation
Any loss, cost, damage, expense, injury, claim or Suit, caused by, arising out of, or resulting directly or indirectly, in whole orin part from sexual abuse or molestation of any person committed by any insured.
Silica Or Silica Related Dust
Bodily Injury arising, in whole or in part, out of the actual, alleged, threatened or suspected inhalation of, or ingestion of,
Silica or Silica-Related Dust; Property Damage arising, in whole or in part, out of the actual, alleged, threatened orsuspected contact with, exposure to, existence of, or presence of, Silica or Silica-Related Dust; any loss, cost or expense
arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing, containing, treating,detoxifying, neutralizing, remediating or disposing of, or in any way responding to or assessing the effects of, Silica or
Silica-Related Dust, by any insured or by any other person or entity.
War
Bodily Injury or Property Damage, however caused, arising directly or indirectly out of War, including undeclared or civil
war; Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by
any government, sovereign or other authority using military personnel or other agents; or Insurrection, rebellion,
revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.
Workers Compensation & Similar Laws
Any obligation of the insured under a workers’ compensation, disability benefits or unemployment compensation law or
any similar law.

Applicable Law
The applicable law of the policy will depend on your (Partner’s) location where the ‘incident’ occurred.
For claims brought outside the United States, the Policy shall be governed by the laws of England and Wales, but in somecases where the insurance is provided by a global partner the local law of that jurisdiction may apply, see Appendix A whichstates the Jurisdictions where the local law will apply.
For claims brought within the United States, the Policy shall be governed by the laws of the jurisdiction within theapplicable jurisdiction within the United States.
For further information please email Booking.comHelp@crawford.com.

Claims
Please click here to be taken to the claims reporting portal.
(a)

(b)

(c)

(d)

Partners must notify as soon as practicable of an ‘occurrence’ that may result in a claim under the PLI Policy to
Crawford or any claim or suit made against the Partner or a person insured under the PLI Policy. To the extent
possible, the notice to Crawford should include:(1)

How, when and where the “occurrence” took place;(2)

The names and addresses of any injured persons and witnesses; and(3)

The nature and location of any injury or damage arising out of the “occurrence”.

If a claim is made or “suit” is brought against any insured, you (Partner) must, as soon as practicable:(1)

Record the specifics of the claim or “suit” and the date received; and(2)

Notify the details in the claims form

You (Partner) and any other involved insured must:(1)

Send Crawford copies of any demands, notices, summonses or legal papers received in connection withthe claim or “suit”;(2)

Authorize Crawford and Zurich to obtain records and other information;(3)

Cooperate with Crawford and Zurich in the investigation or settlement of the claim or defense against
the “suit”; and(4)

Assist Crawford and Zurich, upon our request, in the enforcement of any right against any person ororganization which may be liable to the insured because of injury or damage to which this insurance
may also apply.

Do not voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without
consent.

Questions?
Please email Booking.comHelp@crawford.com if you have any questions regarding the coverage available under the PLI
policy.

Opt-out
Partners are enrolled in the Insurance Programme unless they elect to ‘opt-out’ in the registration process on
Booking.com’s platform. If a Partner wishes to ‘opt out’ of the Insurance Programme, this can be done via the Partner’s
online account with Booking.com by selecting the box that states ‘I would like to opt out of the Partner Liability Insurance
Programme’ and then select the box that states Opt Out.

Data protection
Zurich Insurance Company Ltd (Zurich) has appointed Crawford to help administer your claim. Booking.com may need toshare basic reservation data (i.e reservation status, check-in date, check-out date) with Zurich or its appointed claims
administrator, Crawford, in order for us to enable Crawford to begin to consider and administer your insurance claim. As
part of the claims investigation, Crawford may request basic personal information (i.e. name, address and date of birth),financial details, health data and claims information. Where Crawford shares this data with Zurich, Zurich will act as a data
controller in respect of it.

Zurich’s Data Protection Statement
A full copy of our data protection statement can be viewed via www.zurich.co.uk/dataprotection
If you have any questions or queries about how Zurich use your data, or require a paper copy of the statement, you cancontact us via gbz.general.data.protection@uk.zurich.com or alternatively contact our Data Protection Officer at Zurich
Insurance, Unity Place, 1 Carfax Close, Swindon, SN1 1AP.

Claims Complaints
If you wish to register a complaint please contact Zurich’s claims administrator, Crawford, atBooking.comHelp@crawford.com or:
Crawford & Co
Ashton House Central
2nd Floor, Silbury Boulevard
Milton Keynes, MK9 2AH
UK Residents - If you reside in the UK and remain dissatisfied with the way Zurich has resolved a complaint, you may havethe right to refer to the Financial Ombudsman Service, free of charge, or another form of redress, alternative dispute
resolution process and/or body depending on your jurisdiction. The address for such process/ body in the UK is:
The Financial Ombudsman Service (FOS),
Exchange Tower, London, E14 9SR. Tel: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Further information can be found on the Financial Ombudsman Service website. FOS Website:
https://www.financial-ombudsman.org.uk/ a complaint can be made in writing, by telephone or in person.
EEA Residents – If you reside in the European Economic Area and remain dissatisfied with the way Zurich has resolved acomplaint, you may be entitled to refer it to the Financial Ombudsman/equivalent entity in your respective country:
European Commission - Financial Dispute Resolution network
Rest of the World - Please contact Crawford for further details if required for other jurisdictions at
Booking.comHelp@crawford.com.

Zurich’s Complaints Procedure
UK Residents Zurich is committed to providing a high level of customer service. If you do not feel Zurich has delivered this, they would
welcome the opportunity to put things right for you.
Many concerns can be resolved straight away. Therefore in the first instance, please get in touch with your usual contact at
Zurich or your broker or insurance intermediary, as they will generally be able to provide you with a prompt response to
your satisfaction. Contact details will be provided on correspondence that Zurich or their representatives have sent you.
If Zurich can resolve your complaint to your satisfaction within the first few days of receipt, they will do so. Otherwise,
Zurich will keep you updated with progress and will provide you with their decision as quickly as possible.
If you are not happy with the outcome of your complaint, you may be able to ask the Financial Ombudsman Service toreview your case.

Zurich will let you know if they believe the ombudsman service can consider your complaint when they provide you with
their decision. The Financial Ombudsman Service is free and impartial, but you would need to contact them within 6months of the date of Zurich’s decision.
More information about the ombudsman and the type of complaints they can review is available via their website
www.financial-ombudsman.org.uk
You can also contact them as follows:
Post: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Telephone: 08000 234567 (free on mobile phones and landlines)
Email: complaint.info@financial-ombudsman.org.uk
If the Financial Ombudsman Service is unable to consider your complaint, you may wish to obtain advice from the Citizens
Advice Bureau or seek legal advice.

EEA Residents As long as it comes under the regulatory case specified here, if you have a complaint you can contact our Customer
Ombudsman under the procedure set out in our Customer Ombudsman Regulations which are available on our website
www.zurich.es/defensacliente.
These Regulations comply with the requirements of Ministerial Order ECO 734/2004 and any other regulations that may
replace or amend it.
The Customer Ombudsman will give its decision within the time limit specified in the above Regulations from when it
receives your complaint. At the end of this period you may contact the Complaints Service in the Directorate General of
Insurance and Pension Funds if you’re unhappy with how we’ve resolved your complaint.
Rest of the World –Please contact Crawford for further details if required for other jurisdictions at Booking.comHelp@crawford.com. Crawford
will be able to provide further details if you are not happy with the outcome of your complaint.

Financial Services Compensation Scheme (FSCS)
Zurich is covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled tocompensation if they are unable to meet their obligations to you. Further information is available on www.fscs.org.uk or bycontacting the FSCS directly on 0800 678 1100.

APPENDIX A
The Partner Liability Insurance is provided in only the following countries either by Zurich or one of its global partners.
Please carefully check the list below and if your location is not on the list, please contact Booking.comHelp@crawford.com
who will assess your situation.

Afghanistan

Ecuador

Lithuania

Saint Lucia

Albania

Egypt

Luxembourg

Saint Martin

Algeria

El Salvador

MacaoSaint Pierre and Miquelon

American Samoa

Equatorial Guinea

Madagascar

Saint Vincent and the Grenadines

AndorraEritrea

MalawiSamoa

AngolaEstonia

Malaysia

San Marino

Anguilla

Eswatini

Maldives

Sao Tome and Principe

Antigua and Barbuda

Ethiopia

Mali

Saudi Arabia

Argentina

Falkland Islands (Malvinas)

Malta

SenegalArmenia

Faroe Islands

Marshall Islands

Serbia

Aruba

Fiji

Martinique

Seychelles

Australia

Finland

Mauritania

Sierra Leone

Austria

FranceMauritius

Singapore

Azerbaijan

French Guiana

MayotteSint Maarten

BahamasFrench Polynesia

MexicoSlovakia

Bahrain

Gabon

Micronesia, Federated States ofSlovenia

Bangladesh

GambiaMoldova, Republic ofSolomon Islands

Barbados

Georgia

MonacoSomalia

Belgium

Germany

Mongolia

South Africa

BelizeGhana

Montenegro

Sri Lanka

Benin

Gibraltar

Montserrat

Suriname

Bermuda

GreeceMoroccoSwedenBhutanGreenland

Mozambique

Switzerland

Bolivia, Plurinational State ofGrenadaMyanmarTaiwan, Province of China

Bonaire Sint Eustatius and Saba

Guadeloupe

Namibia

Tajikistan

Bosnia and Herzegovina

Guam

Nauru

Tanzania, United Republic ofBotswana

Guatemala

Nepal

ThailandBrazilGuineaNetherlands

Timor-Leste

Brunei Darussalam

Guinea-Bissau

New Caledonia

Togo

Bulgaria

GuyanaNew Zealand

Tonga

Burkina Faso

Haiti

Nicaragua

Trinidad and Tobago

BurundiHonduras

Niger

Tunisia

CambodiaHong Kong

Nigeria

TurkeyCameroon

Hungary

Niue

Turkmenistan

CanadaIceland

Norfolk Island

Turks and Caicos Islands

Cape Verde

India

North Macedonia, Republic ofTuvaluCayman Islands

Indonesia

Northern Mariana Islands

UgandaCentral African Republic

Iraq

NorwayUnited Arab Emirates

Chad

Ireland

Oman

United Kingdom

Chile

Isle of Man

Pakistan

United States of America

ChinaIsraelPalau

Uruguay

Cocos (Keeling) Islands

Italy

Palestine, State ofUzbekistan

Colombia

Jamaica

PanamaVanuatuComorosJapan

Papua New Guinea

Venezuela

Congo

JordanParaguay

Viet Nam

Congo, The Democratic Republicof theKazakhstan

Peru

Virgin Islands, British

Cook Islands

Kenya

Philippines

Virgin Islands, U.S.

Costa Rica

Kiribati

PolandWallis and Futuna

Côte d'Ivoire

Korea, Republic of

Portugal

Yemen

Croatia

KuwaitPuerto Rico

ZambiaCuraçao

Kyrgyzstan

Qatar

Zimbabwe

CyprusLao People's Democratic Republic Réunion

Czechia

LatviaRomania

Denmark

LebanonRwandaDjibouti

LesothoSaint Barthélemy

Dominica

LiberiaSaint Helena, Ascension andTristan da Cunha

Dominican Republic

LiechtensteinSaint Kitts and Nevis