Page 42 - MSTI Namibia.Personal Lines.Home Car.1June 2018 Version 3_Final

• Arising out of your reckless disregard for the possible consequences of your actions,
fraudulent, dishonest, malicious acts, bribery or physical assault or seduction committed
by you
• Out of the purchase, sale, barter or exchange of any moveable or immovable property,
or your failure to comply with any obligations in relation to this
• Which is the subject of legislation controlling the use of any motor vehicle or trailer and
for which you must take out insurance or furnish security
• Where the State or a government body or authority has accepted liability
• For any debt, for the failure to pay maintenance or alimony or any amounts following a
breach of promise or for the payment of any fine, penalty, multiple, punitive or
exemplary damages or arising out of liquidated damages clauses, penalty clauses or
performance warranties unless it can be proved that the liability would have arisen
without these clauses or warranties
• Arising out of any condition directly or indirectly caused by or associated with Human
Immune Deficiency Virus (HIV) including Acquired Immune Deficiency Syndrome (AIDS)
or any mutant derivative or variation thereof
• For any claim for Motor or Pleasure-craft Liability unless the liability is covered by any of
the Underlying Insurance, or if the claim is excluded only because of territorial restrictions
and in the event of the pleasure-craft’s overall length is greater than 8 meters
• For the first N$ 10,000 of any claim in relation to any property hired, leased or borrowed
by you or from the suspension or termination of employment of any domestic worker
• For the loss of or damage to any self-propelled vehicle, trailer, caravan, pleasure-craft
or aircraft in your care, custody or control.

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