Page 137 - Execuline - Classic Policy Wording

Motorcycle
What is not covered
SPECIFIC EXCEPTIONS
Risks for your own expense
We do not cover you for loss or damage to your motorcycle 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 motorcycle is damaged at the same time
○ theft of spares or accessories of your motorcycle, unless the motorcycle is stolen at the same time
○ loss or damage arising from the fact that your motorcycle is unroadworthy, or hasn’t been maintained
○ loss or damage arising from the fact that your motorcycle 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 motorcycle to situations that clearly have a high risk of loss or damage associated with them,
such as riding on one wheel (doing a wheelie). If we maintain that you have exposed your motorcycle to such situations, you have to prove the contrary.
Driving under the influence
There is no cover for loss, damage, injury or liability that arises when you are towing your motorcycle 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 your motorcycle with your permission.
HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015 135