 Auto and General Insurance Trailer Insurance Under this section you may claim if your trailer is damaged or stolen.
You may also claim for the damage you caused to other parties and their
property. The use of the trailer You will only have cover if you use the trailer solely for social, domestic and pleasure purposes.
What you pay when you claim - the excess(es)
Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.
We will indemnify you for:
The trailer
The trailer is comprehensively insured. We will indemnify you if the trailer is damaged or stolen.
The most we will pay for the trailer is its reasonable market value, or the stated value on the schedule, whichever is the lesser. If the trailer was stolen, we do not have to indemnify you for four weeks from the time you tell us about it. If the trailer is financed, we must first pay the finance company. If parts for the trailer are not available, and it delays the repairs,
we will not indemnify you for the inconvenience or money you lose or for any liability you may incur because of the delay.
Towing and storage
The reasonable cost to store or to tow the trailer to the closest repairer.
Other parties
We will indemnify the other party on your behalf for damages, costs and expenses if you are legally responsible for an accident, caused by or in connection with the trailer, which caused damage to another party's property, or if a person died or was injured because of the accident.
The maximum we will pay under this section is R300 000 for fire and explosion and R1 000 000 for damage to someone else's property. The maximum for death and injury is R50 000. These limits are per accident.
We do not indemnify you for:
No licence, under the influence or endorsed licence
If the trailer is towed by a vehicle driven by you, or by any person who has your general consent, and the driver:
- is not licensed to drive, or drives while under the influence of alcohol or drugs, or while the percentage of alcohol in the driver's blood exceeds the legal limit, or when the driver fails a breathalyser test, or
- has an endorsed licence, whether the endorsement is displayed on the licence or is on record with the authorities, for negligent, reckless or drunken driving, or for driving while the percentage of alcohol in that person's blood exceeds the legal limit.
Vehicle or trailer not roadworthy
When the trailer or the vehicle towing it is not in a roadworthy condition as is defined in the legislation relating to roadworthiness, or when the law or traffic regulations do not allow towing.
Trailer used in certain countries outside South Africa
When the trailer is used outside South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. We will not indemnify other parties on your behalf when the trailer is used outside South Africa.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person who works for you dies or is injured while he/she is working.
Property in your possession and that of your household members
For your property and the property of your household members, and other property that you and your household members have with them at the time of the accident, or things inside the trailer.
Cover under the Road Accident Fund
For what will be paid for under the compulsory motor vehicle insurance legislation.
Death or injury of any person
For any person who was in the trailer at the time of the accident.
|
