Page 41 - MSTI Namibia.Personal Lines.Home Car.1June 2018 Version 3_Final

8. Extended Liability

You are covered for all sums you become legally liable to pay as damages arising from
any event occurring during the period of insurance anywhere in the world up to the amount
noted on your schedule and you have an existing insurance policy in force with a registered
Insurer in the following territories, Namibia, South Africa, Botswana or Mozambique, which
covers one or more of the following:
• Personal Liability
• Property Owners and Tenants Liability
• Motor Liability and Pleasure-craft Liability

Or any insurer in the world which covers one or more of the following:
• Motor Liability

• Pleasure-craft Liability
• Property Owner’s Liability

For any motor vehicle hired, leased or owned by you, outside the territories mentioned
above.
This cover will only be effective to the extent that:
• It is not covered in terms of the insurance clause and/or insurable events clause and/or
operative clause of any Underlying Insurance; or
• It is not covered by reason of an exclusion in any Underlying Insurance; or
• The amount of liability for damages is higher than the limit of indemnity of the Underlying
Insurance or an amount of N$ 2 million, whichever is the highest. The Underlying Insurer
has paid or has admitted liability or has been held liable to pay the full amount of the
limit of indemnity of the Underlying Insurance.
• The legal costs and expenses, which any claimants or their representatives can recover
from you, will be covered.

What is not covered under extended liability to other people?

This insurance excludes any liability:
• Out of and in the course of your employment, business or profession including but not
limited to the sale of any goods or the rendering of any services for a fee, reward or any
other compensation
• Out of the letting or hiring out of any movable or immovable property or part of this
property for a fee, reward or any other consideration other than a garden flat, granny
flat, cottage or like structure situated on the same property as the one on which you
normally reside
• For any judgment, award, payment or settlement made within countries which operate
under the laws of the United States of America or Canada (or for any order made
anywhere in the world to enforce such a judgment, award or settlement either in whole
or in part)
• Out of loss of or damage to property if this liability is covered under any other insurance
policy
• Out of the ownership or use of any aircraft (drones, UAS, model aircraft and hang gliders)

34