If an individual's personal liability insurance excludes liability from occupation of any land or building, will they receive payment for damage caused to a borrowed flat?

The answer is that the individual will not receive payment for damage caused to a borrowed flat due to the exclusion regarding liability from the occupation of any land or building. Personal liability insurance typically covers claims for injuries or damages for which the policyholder is legally responsible. However, if there is an explicit exclusion in the policy that states it does not cover liabilities arising from the occupation of land or buildings, then any claim related to such liability would be denied.

In this case, since the damage occurred in a flat that the individual borrowed, it is considered a liability arising from the occupation of a building. Even if the fire was accidental or if the uncle had home insurance, these factors don't change the fact that the personal liability insurance has a specific exclusion for this kind of scenario. The liability is directly associated with occupying the premises, thus making the exclusion in the policy applicable and leading to the denial of the claim.