Page 35 - MSTI Namibia.Personal Lines.Home Car.1June 2018 Version 3_Final

Liability where your vehicle claim was rejected
Any incident that causes damage to other people’s property, and where the claim for loss
of or damage to the vehicle itself is not covered.
E.g. If the driver is under the influence of alcohol and causes an accident and we reject the claim
for damage to the vehicle, any liability claim for damage to the other person’s property will also be
rejected.

Cover given by legislation or other insurance contracts Liability that is covered by the
following:
• The Motor Vehicle Accident Fund Act, 2007, as amended
• The Labour Act, 2007, as amended
• Social Security Act, 1994, as amended
• Any event covered in terms of a compensation fund setup under relevant Government
legislation, anywhere in the world where the policy applies
• Any other insurance contract or Momentum contract

Vehicle cover
You can insure your vehicle for any one of the following:

Comprehensive cover (if noted on your schedule against your vehicle)
You are covered for accidental damage, fire, theft and hijack to your own vehicle as well
as damage to other people’s property. You are also covered for towing and storage and
temporary repairs.

Loss of or damage to the vehicle caused:
• In an accident or intentionally (including theft, hijacking, attempted theft or attempted
hijacking)
• By fire, explosion, earthquake, storm, hail, flood, freezing or snow
• By animals (excluding domestic animals)

Liability to other people
You, members of your household and the regular driver are covered for legal liability
following a vehicle accident that causes damage to other people or property. This includes
legal costs that someone else can recover from you and that we agree to in order to settle
or defend a claim against you. The maximum amount you can claim per accident is noted
on your schedule.
The accident must involve:
• The insured vehicle;
• Any vehicle being towed by the insured vehicle;
• Any vehicle being driven by you, any members of your household or the regular driver,
that you or they don’t own.

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