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Under this section you may claim if your motorcycle is damaged or stolen. You may also claim for the damage you caused to other parties and their property.
The use of the motorcycle
You will only have cover if you use the motorcycle solely for social, domestic and pleasure purposes and between your home and your permanent place of work.
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 motorcycle
The motorcycle is comprehensively insured. We will compensate you if the motorcycle is damaged or stolen.
The most we will pay for the motorcycle is its reasonable market value, or the stated value on the schedule, whichever is the lesser. If the motorcycle was stolen, we do not have to compensate you for four weeks from the time you about it. If the motorcycle is 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 remove the motorcycle to the closest repairer. You will be personally responsible for the cost of the removal and storage of your motorcycle if you do not call the Dial Direct Towline and use the approved towing operator we appoint.
Accessories
Stolen accessories if the motorcycle is stolen at the same time.
Other parties
We will compensate the other party on your behalf for damages, costs and expenses if the regular driver is legally responsible for an accident, caused by or in connection with the motorcycle, 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 R50 000 for damage to property and R20 000 for death or injury. These limits are per accident.
We do not compensate you for:
No licence, under the influence or endorsed licence
If this car or any other car is being driven by the regular driver, or in the case of this car, by any person who has the general consent fo the regular driver to drive this car, and if the driver:
- When the driver of the motorcycle is not licensed to drive or drives while under the influence 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 breathalyser test, or
- When the driver of the motorcycle has a licence endorsed, whether on the licence or 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.
Motorcycle not roadworthy
When the motorcycle is not in a roadworthy condition as is defined in the legislation relating to roadworthiness.
Unauthorised use of Vehicle
If someone uses the motorcycle without your knowledge and consent and you have not laid a criminal charge against them with the police, within 48 hours. You may also not withdraw the charge.
Vehicle used to earn an income or for racing
If the motorcycle is used to carry goods or for trade purposes, or for hiring, driving instructions, racing or competition.
Motorcycle used in the motor trade
When the motorcycle is used in connection with the motor trade, unless it is in for service or repairs.
Motorcycle used in certain countries outside South Africa
When the vehicle is used outside South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other parties on your behalf when the motorcycle 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.
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 the death or injury of any person who travels on, mounts or dismounts the motorcycle.
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