Page 162 - Execuline - Classic Policy Wording

Caravan and trailer
What is not covered
SPECIFIC EXCEPTIONS
Risks for your own expense
We do not cover you for loss or damage to your caravan/trailer that results from the following risks:
○ depreciation; wear and tear; gradually operating causes; mechanical, electrical or electronic breakdown, failure or breakage
○ damage to the suspension, or tyres and rims, unless some other part of the caravan/trailer is damaged at the same time
○ theft of spares or accessories of your caravan/trailer, unless the caravan/trailer is stolen at the same time
○ loss or damage arising from the fact that your caravan/trailer is unroadworthy, or hasn’t been maintained
○ loss or damage arising from the fact that your caravan/trailer 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 caravan/trailer to situations that clearly have a high risk of loss or damage associated with them,
such as crossing a swollen river or dune-bashing. If we maintain that you have exposed your caravan/trailer 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 driving or towing your caravan/trailer 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 caravan/trailer with your permission.
160 HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015