Page 103 - Bay Union - Prestige Policy Wording
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Third party
Includes yourself, your spouse and any members of your immediate family who normally reside with you, and are  nancially dependent on you
Someone other than yourself who is involved in an insured event – for example, an injured pedestrian or the driver of a car that is involved in an accident with you
Your vehicle is so badly damaged that it cannot be repaired economically; or it has been stolen and cannot be recovered
Key terms to understand
Vehicle – full de nition
Your vehicle includes all parts and accessories. It may be any one of the following:
○ a private car, minibus or similar vehicle designed to carry up to 12 people, including the driver
○ a station wagon, motorised caravan, 4x4 vehicle, 4x2 vehicle, or light delivery vehicle, with a gross
vehicle mass of no more than 3 500 kg
○ a trailer or caravan which is not self-propelled, and which is designed or adapted for towing by a
vehicle as described above
○ a motorcycle, scooter, quad-bike, three-wheeled vehicle or golf cart
○ any replacement vehicle that is hired, leased or temporarily used by you up to the sum insured in the
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