Page 109 - Execuline - Classic Policy Wording

Motor
What is not covered
SPECIFIC EXCEPTIONS
Risks for your own expense
We do not cover you for loss or damage to your vehicle that results from the following risks:
○ depreciation; wear and tear; gradually operating causes; mechanical, electrical or electronic breakdown, failure or breakage
○ damage to the engine, suspension, or tyres and rims, unless some other part of the vehicle is damaged at the same time
○ theft of spares or accessories of your vehicle, unless the vehicle is stolen at the same time
○ loss or damage arising from the fact that your vehicle is unroadworthy, or hasn’t been maintained
○ loss or damage arising from the fact that your vehicle was defectively designed or constructed
○ loss or damage resulting from the actions of domestic pets – for example, scratching, biting, chewing, tearing
or soiling
○ exposing your vehicle to situations that clearly have a high risk of loss or damage associated with them, such as
crossing a swollen river or dune-bashing.
Driving under the influence
There is no cover for loss, damage, injury or liability that arises when you are driving or towing your vehicle while:
○ under the influence of intoxicating liquor or drugs; or
○ the alcohol content in your blood exceeds the legal limit.
This is irrespective of the method used to determine the degree of intoxication – for example, a breathalyser test or a
blood test.
This also applies to any other person who may be driving or towing your vehicle with your permission.
HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015 107