Page 208 - Agriculture Policy Wording Binder

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 Motorcycle 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 motorcycle on which the Insured is being conveyed by means of violence or threatened violence.
4. Terrorism
Notwithstanding anything to the contrary in Exception 1 to this Section, the insurance provided by this Section is extended to cover Death, Permanent Total Disability, and/or Medical Expenses arising from "Terrorism activity" as defined in the Protection of Constitutional Democracy against Terrorist and Related Activities Act, 2004 as amended;
PROVIDED THAT:
the Company shall not be liable to pay any Benefit in respect of the Insured arising from:
1. the performance by the Insured of obligations in terms of the Defence Act, 2002, or the South African Police Services Act, 1995 at a place from which military or police actions are carried out; or
2. consequent upon such person's actual engagement in military or police actions.
EXCEPTIONS
The Company shall not be liable to pay any benefit for any claim directly or indirectly consequent upon:
1. war invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, military or usurped power or whilst the Insured is on active service with the military, naval, air or police services of any nation;
2. participation in labour disturbances, riot, strikes, lock out or the Insured committing a criminal offence;
3. wilful exposure to danger (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat;
4. or caused by or contributed to by any pre-existing physical defect or deformity or sickness or disease or any condition for which the Insured had received treatment, or medical advice, prior to the date of the Motorcycle Accident;
5. the Insured travelling on a motorcycle whilst engaging in racing or speed or duration tests of any kind, or whilst the Motorcycle is being used for any purpose other than that for which it was built and registered;
6. the Insured being the driver of the vehicle or conveyed on a Motorcycle driven by a driver whilst such driver is not in possession of a valid driver's licence authorizing him or her to drive the Motorcycle;
PROVIDED THAT:
this Exception shall not apply to an Insured who was a passenger at the time of the Motorcycle Accident and was not aware that the driver was not in possession of a valid driver's licence, subject to the onus being on the Insured to prove that he or she was not aware that the driver was not in possession of a valid driver's licence at the time of the Motorcycle Accident;
Enroute Motorcycle Insurance
Page | 206 Policy Wording – Agriculture – Binder – Version 2 2023