Page 210 - Agriculture Policy Wording Binder

DEFINED EVENTS
ENROUTE ON-ROAD INSURANCE
The Company will compensate the Insured or the Insured's estate after bodily injury as a result of a Road Accident as defined which directly results in death, permanent total disability, temporary total disability and/or medical expenses but not exceeding the amount stated in the Schedule.
DEFINITIONS
Enroute On-Road Insurance
Insured
the person who takes out this Policy and is named as the policyholder in the Schedule
the Insured his or her spouse and dependent children as named in the Schedule. Cover for each dependent child shall terminate when the child attains the age of 18 (eighteen) years or 24 (twentyfour) years if in full time education and normally resident with the Insured
a self-propelled motor vehicle which is a:
1. sedan, station wagon, Multipurpose (MPV) or Sports Utility (SUV) Vehicle and similar vehicles to MPV's and SUV's described by other alternatives to MPV or SUV, licensed to carry passengers not exceeding in total 10 (ten) persons including the driver;
2. light delivery vehicle (LDV) with a carrying capacity not exceeding 1 500 kg (one thousand five hundred) not exceeding in total 3 (three) passengers in the area specifically designed to seat and carry the driver and passengers (cab). Persons not in the cab area of the vehicle are excluded;
3. light delivery vehicle (LDV) known as double cabs with a carrying capacity not exceeding 1 500kg (one thousand five hundred), not exceeding in total 5 (five) passengers in the area specifically designed to seat and carry the driver and passengers (cab). Persons not in the 'cab' area of the vehicle are excluded;
4. buses, minibuses including those used for public transport and those used by educational institutes for the purpose of transporting students or scholars and/or educators
Motorcycles including three-wheel and four-wheel motorcycles or the like, and Vehicles used primarily for carrying goods are excluded and not covered in terms of this Policy
a sudden unexpected accident or a series of accidents resulting from the same cause occurring at a specific place and time within the Territory and during the Period of Insurance involving an Insured Person as driver or passenger in a Vehicle as defined or as a rider of a pedal cycle or as a pedestrian being struck by a vehicle of any type
physical trauma or bodily injury to an Insured Person resulting from a Road Accident which physical trauma or bodily injury injures or disables the Insured Person totally independently from any other physical or mental disability, defect, infirmity or cause that existed prior to the Road Accident and which physical trauma or bodily injury results in:
1. Death or Permanent Total Disability or Temporary Total Disability within 24 (twenty four) months of the Road Accident; and/or
2. Medical expenses incurred within 24 (twenty four) months of the Road Accident not exceeding the maximum benefit in the Schedule
Insured Person
Vehicle
Road Accident
Bodily Injury
Permanent Total Disability
the total, absolute and permanent disablement as a result of a Bodily Injury which prevents the Insured Person from following his or her usual occupation or any other occupation for which he or she is suited by education or training
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Policy Wording – Agriculture – Binder – Version 2 2023