Page 136 - Execuline - Classic Policy Wording

Motorcycle
Conditions of use of your motorcycle
How you may use your motorcycle
This insurance policy carefully defines how you may use your motorcycle in order for the cover to be valid.
There are two categories of use:
○ Private
Private use (social, domestic, pleasure), as well as emergency travel to and from work.
○ Private and work
Private use (social, domestic, pleasure), as well as all travel to and from work.
Note that the following uses are excluded:
Travel for business, commercial or professional purposes; renting the motorcycle out; the carrying of passengers for financial gain, whether on a fare-paying or hire basis; paid driving instruction; the carrying of trade samples or goods; racing or speeding of any sort; driving on a course or racetrack, whether as part of an event or not; towing a vehicle for financial gain; overloading your motorcycle; or while in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair of the motorcycle.
Business travel or commercial travel?
If in the course of your work, you occasionally use your motorcycle for business reasons (typically, once or twice a week), then that is classified as business travel and is covered under this policy.
However, if the very nature of your work requires you to move around all the time (typically, several times a day), then that is commercial travel and is not covered under this policy.
Examples are estate agents, plumbers, sales representatives and electricians.
If you are unsure of the category of use that applies to your motorcycle, please check the schedule.
No carrying of explosives or hazardous goods
You may not, under any circumstances, use your motorcycle to carry explosives or hazardous goods. Examples of such goods are nitroglycerine or dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste; liquid petroleum.
No using your motorcycle as a courier or transport contractor
You may not, under any circumstances, use your motorcycle as a courier or transport contractor.
No carrying of fare-paying passengers
You may not, under any circumstances, use your motorcycle as a taxi to carry fare-paying passengers.
No overloading of goods
You may not, under any circumstances overload your motorcycle when you transport goods.
134 HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015