Page 187 - Hollard Business Branch Policy Wording

DEFINED EVENTS
The Company will compensate the Insured or the Insured's estate a er bodily injury as a result of a Road Accident as de ned 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
ENROUTE ON-ROAD INSURANCE
Insured
the person who takes out this Policy and is named as the policyholder in the Schedule
Insured Person
the Insured his or her spouse and dependent children as named in the Schedule. Cover for each dependent child shall terminate when the child a ains the age of 18 (eighteen) years or 24 (twenty four) years if in full me educa on and normally resident with the Insured
Vehicle
a self-propelled motor vehicle which is a:
1. sedan, sta on wagon, Mul purpose (MPV) or Sports U lity (SUV) Vehicle and similar vehicles to MPV's and SUV's described by other alterna ves 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 ve hundred kilograms), not exceeding in total 3 (three) passengers in the area speci cally designed to seat and carry the driver and passengers (bab). 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 1 500 kg (one thousand ve hundred kilograms), not exceeding in total 5 ( ve) passengers in the area speci cally 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 educa onal ins tutes for the purpose of transpor ng 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
Road Accident
a sudden unexpected accident or a series of accidents resul ng from the same cause occurring at a speci c place and me within the Territory and during the Period of Insurance involving an Insured Person as driver or passenger in a Vehicle as de ned or as a rider of a pedal cycle or as a pedestrian being struck by a vehicle of any type
Bodily Injury
physical trauma or bodily injury to an Insured Person resul ng 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, in rmity 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 bene t in the Schedule
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 occupa on or any other occupa on for which he or she is suited by educa on or training
Page | 186 Hollard Business Policy – Branch – Version 1 2018