Am I liable for claims at the end of a tenancy?

Yes

Please note that Tenants remain liable for any damages or rent arrears.  If the insurer makes a payment to the landlord in respect of insured events, the insurer has the right to recover that amount from the Tenant, together with its reasonable associated costs.

If there is more than one of you, and the tenancy agreement makes all of you responsible for paying the whole of the rent (so that, if one of you does not pay anything, the other(s) must pay everything), the insurer will be entitled to recover its money from you in the same way. So, if the insurer makes a payment to the landlord, the insurer will be able to recover that payment, and its reasonable associated costs, from you and, if one of you does not pay anything, the other(s) must pay everything.

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