Page 180 - Execuline - Classic Policy Wording

Caravan and trailer – Third party, fire and theft
LIABILITY TO THIRD PARTIES
Pay-outs are always limited
When you claim for liability to third parties, your pay-out will always be limited to a specific amount in any 12-month period. These amounts are stated in the LIMIT SECTION or schedule.
In some cases, the pay-out may be less than the maximum limit of liability stated in the schedule or the LIMIT SECTION, if we decide that it represents a fair settlement. We may pay you the full limit or any lesser amount for which the claim may be settled to finalise a claim.
All pay-outs are made in South Africa, in local currency.
Accident, death, damage
We will pay for your legal liability towards a third party (including costs and expenses incurred with our prior approval) if your caravan/trailer is involved in an event that causes:
○ bodily injury to any person, or the accidental death of that person
○ damage to property
○ fire or explosion.
Other people using your caravan/trailer
If someone else is towing your caravan/trailer with your permission, they too will be covered for liability as described above, provided that they:
○ have never, to your knowledge, been refused insurance
○ are not entitled to compensation under any other policy
○ comply with the terms of this policy.
Using a caravan/trailer that does not belong to you
We will pay for legal liability if you use a caravan/trailer that does not belong to you provided that:
○ you are the driver of the towing vehicle at the time of an incident
○ the caravan/trailer is a private caravan/trailer
○ you do not own the caravan/trailer, it is not leased to you and you are not purchasing it in terms of a credit
agreement
○ loss or damage to the caravan/trailer is excluded.
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HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015