|
|
Caravan Insurance |
|
Under this section you may claim if your caravan is damaged or stolen. You may also claim for the damage you caused to other parties and their property.
The use of the Caravan
Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.
We will compensate you for:
The Caravan
The caravan is comprehensively insured. We will compensate you if the caravan is damaged or stolen.
The most we will pay for the caravan is its reasonable market value, or the stated value on the schedule, whichever is the lesser. If the caravan was stolen, we do not have to compensate you for four weeks from the time you tell us about it. It the caravan is financed, we must first pay the finance company. If parts for the caravan are not available, and it delays the repairs, we will not compensate you for the inconvenience or money you lose or for any liability you may incur because of the delay.
Towing and storage
The reasonable cost to store or to tow the caravan to the closest repairer. You will be personally responsible for the cost of the towing and storage of your caravan if you do not call the Dial Direct Towline and use the approved towing operator we appoint.
Other parties
We will compensate the other party on your behalf for damages, costs and expenses if you are legally responsible for an accident, caused by or in connection with the caravan, which caused damage to another party’s property, or if a person died or was injured because of the accident.
The maximum we will pay under this section is R300 000 for fire and explosion and R1 000 000 for damage to someone else’s property. The maximum for death and injury is R50 000. These limits are per accident.
We do not compensate you for:
If the caravan is towed by a vehicle driven by you, or by any person who has your general consent, and the driver:
- Is not licensed to drive or drives while under the influence of alcohol of drugs, or while the percentage of alcohol in the driver’s blood exceeds the legal limit or when the driver fails a breathalyser test, or
- Has an endorsed licence, whether the endorsement is displayed on the licence or is on record with the authorities, for negligent, reckless or drunken driving, or for driving while the percentage of alcohol in that person’s blood exceeds the legal limit.
Caravan uses in certain countries outside South Africa
When the caravan is used outside South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other parties on your behalf when the vehicle is used outside South Africa.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person who works for your dies or is injured while he/she is working.
Property in your possession and that of your household members
For your property and the property of your household members, and other property that you and your household members have with them at the time of the accident, or things inside the caravan, unless you insured them under caravan contents.
Cover under the Road Accident Fund
For what will be paid for under the compulsory motor vehicle insurance legislation.
Death or injury of any person
For any person who was in the caravan at the time of the accident.
|
Caravan loose contents Insurance |
|
Under this section you may claim for the loose contents inside your caravan.
What you pay when you claim – the excess(es)
Every time something happens for which you claim, you must pay the basic excess. You must pay any of the additional excess on the schedule, on top of the basic excess.
We will compensate you for:
- The loose contents of the caravan, your personal possessions and the personal possessions of your family members who love with you. These must be kept inside the caravan, and the schedule must state that you are paying for cover.
- Loss or damage caused by fire, lighting, explosion, malicious damage, impact with the caravan, falling trees (but not while they are being felled), earthquake, storm, flood, break-in or theft, but only when we can see the damage caused by the break-in.
We do not compensate you for:
- Deeds, bonds, bills of exchange, promissory notes, money, cheques, stamps, documents of any kind, manuscripts, medals and coins, rare books, vehicles or bicycles.
- Things you insured more specifically elsewhere or with us.
- Goods and possessions which you use solely for business, professional or trade purposes.
|
Trailer Insurance |
|
Under this section you may claim if our trailer is damaged or stolen. You may also claim for the damage you caused to other parties and their property.
The use of the Trailer
You will only have cover if you use the trailer solely for social, domestic and pleasure purposes.
What you pay when you claim – the excess(es)
Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.
We will compensate you for:
The Trailer
The trailer is comprehensively insured. We will compensate you if the trailer is damaged or stolen.
The most we will pay for the trailer is its reasonable market value, or the stated value on the schedule, whichever is the lesser. If the trailer was stolen we do not have to compensate you for four weeks from the time you tell us about it. If the trailer is financed, we must first pay the finance company. If parts for the trailer are not available, and it delays the repairs, we will not compensate you for the inconvenience or money you lose or for any liability you may incur because of the delay.
Towing and storage
The reasonable cost to store or to tow the trailer to the closest repairer.
Other parties
We will compensate the other party on your behalf for damages, costs and expenses if you are legally responsible for an accident, caused by or in connection with the trailer, which caused damage to another party’s property, or if a person died or was injured because of the accident.
The maximum we will pay under this section is R300 000 for fire and explosion and R1 000 000 for damage to someone else’s property. The maximum for death and injury is R50 000. these limits are per accident.
We do not compensate you for:
No license, under the influence or endorsed license
If the trailer is towed by a vehicle driven by you, or by any person who has your general consent, and the driver:
- Is not licensed to drive, or drives while under influencing of alcohol or drugs, or while the percentage of alcohol in the driver’s blood exceeds the legal limit, or when the driver fails a breathalyzer test, or
- Has an endorsed license, whether the endorsement is displayed on the license or is on record with the authorities, for negligent, reckless or drunken driving, or for driving while the percentage of alcohol in that person ‘s blood exceeds the legal limit.
Vehicle or trailer not roadworthy
When the trailer or the vehicle towing it is not in a roadworthy condition as is defined in the legislation relating to roadworthiness, or when the law or traffic regulations do not allow towing.
Trailer used in certain countries outside South Africa
When the trailer is used outside South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other parties on your behalf when the trailer is used outside South Africa.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person who works for you dies or is injured while he/she is working.
Property in your possession and that of your household members
For your property and the property of your household members, and other property that you and your household members have with them at the time of the accident, or things inside the trailer.
Cover under the Road Accident Fund
For what will be paid for under the compulsory motor vehicle insurance legislation.
Death or injury of any person
For any person who was in the trailer at the time of the accident.
|
|
Internet Marketing
