Page 80 - CCA Platinum Policy Wording

Motor
Conditions of use of your vehicle
How you may use your vehicle
This insurance policy carefully defines how you may use your vehicle in order for the cover to be valid. There are two categories of use:
○ Private and professional use
Where the description of use is stated as private use in the schedule, the vehicle may be used for:
– private use – social, domestic, pleasure
– business use but excluding the carrying of goods for commercial purposes
– professional use – use of the vehicle for your profession (for example, as a doctor or attorney).
Note that the following uses are excluded:
Use by sales representatives or any commercial travel.
○ Business use
Where the description of use is stated as business use in the schedule, the vehicle may be used only for:
– Private use – social, domestic, pleasure
– business use including use by sales representatives and the carrying of goods for commercial purposes
– professional use – use of the vehicle for your profession (for example, as a doctor or attorney).
Note that in both of the above categories, the following uses are excluded:
Renting the vehicle out; the carrying of passengers for hire; the carrying of fare-paying passengers; paid driving instruction; racing; motorsport events; speed or other contests; rallies; trials; use on a race track whether at an organised event or not; or while in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair of the vehicle.
If you are unsure of the category of use that applies to your vehicle, please check the schedule.
No carrying of explosives or hazardous goods
You may not, under any circumstances, use your vehicle to carry explosives or hazardous goods. Examples of such goods are nitroglycerine or dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste and liquid petroleum.
No using your vehicle as a courier or transport contractor
You may not, under any circumstances, use your vehicle as a courier or transport contractor.
78 HBM – CC&A Plain Language – 23 June 2014