Page 204 - Agriculture Policy Wording Binder

PROVISIONS
The insurance provided in this Section is subject to the following:
1. The Company will not be liable to pay for Death, Permanent Total Disability, Temporary Total Disability or Medical Expenses resulting from a Motor Vehicle Accident or series of Motor Vehicle Accidents arising from one cause in respect of any one Insured Person, more than the applicable Benefit payable for death or Permanent Total Disability (whichever is the higher). Temporary Total Disability and Medical Expenses benefits shall be paid in addition thereto subject always to the policy limits stated in the Schedule.
2. The compensation for Temporary Total Disability shall cease as soon as the bodily injury causing the incapacity has healed insofar as it is reasonably possible notwithstanding that Permanent Disability may remain but shall in any event not be payable for more than the number of weeks stated in the Schedule.
3. The Company will not be liable for more than the limits stated below in respect of death benefits for Insured Persons under 15 (fifteen) years of age;
3.1 under 6 (six) years of age: R20 000 (twenty thousand rand);
3.2 6 (six) years of age and over but not exceeding 14 (fourteen) years of age: R50 000 (fifty thousand rand).
4. The Company will not be liable in respect of any Insured Person to pay weekly benefits more than the average weekly earnings of such Insured Person for the 12 (twelve) months (or part thereof) preceding the accident in respect of Temporary Total Disability.
5. The Company will not be liable for more than 25% (twenty five percent) of the benefit for Temporary Total Disability in respect of Insured Persons who are unemployed at the time of the Motor Vehicle Accident.
6. The Company will not be liable for any amount payable in respect of Temporary Total Disability in respect of any Insured Person under the age of 15 (fifteen) or any person over the age of 15 (fifteen) who is a student and not in full time employment.
7. The Insured Person shall not be insured under more than one En-Route In-Car Insurance Policy with the Company. If however an Insured Person is covered by more than one En-Route In-Car Insurance Policy with the Company, only the En-Route In-Car Insurance Policy with the highest benefit will be called upon to indemnify the Insured Person, but subject always to the Terms and Conditions of that Policy.
CLAUSES AND EXTENSIONS
1. Disappearance
In the event of the disappearance of the Insured in circumstances which reasonably satisfies the Company that the Insured has sustained bodily injury and that such bodily injury has resulted in the death of the Insured immediately prior to their disappearance, the Company will presume the Insured's death and pay such death benefits as may be applicable under the Policy;
PROVIDED THAT:
if after the Company has made payment of such benefit, the Insured is found to be alive, such benefit shall forthwith be refunded to the Company by the Insured or the Insured's estate as the case may be.
2. Exposure
Bodily injury shall include injury caused by starvation, thirst and/or exposure to the elements directly or indirectly resulting from a Motor Vehicle Accident.
3. Hijacking
The Policy is extended to cover bodily injury to the Insured in the event of unlawful seizure or wrongful exercise of control of a motor vehicle accident on which the Insured is being conveyed by means of violence or threatened violence.
4. Trauma counselling
In the event of an Insured Person being subject to an act of violence or trauma in a motor vehicle accident which in the reasonable opinion of the Company has given rise to circumstances which justify counselling, the Company shall subject to the Terms and Conditions of this Section, reimburse such Insured Person for counselling fees actually and reasonably incurred by such Insured Person as a result of such act of violence or traumatic accident;
Enroute In-Car Insurance
Page | 202 Policy Wording – Agriculture – Binder – Version 2 2023