Understanding The Policy Book or Terms and Conditions In Not So Small Print
Introduction
Welcome to the modern way of insuring your goods. It is easy, it is direct, it
puts you in control and you can be rewarded for being responsible and managing
your actions, by getting some bucks back.
Dial Direct is part of the UK Dial Direct group.General Terms & Conditions
Caravans and trailers
Under this section you may claim if your caravan is damaged or stolen. You
may also claim for the damage you caused to other parties and their property.
The use of the caravan
You will only have cover if you use the caravan 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 Excess on the schedule, on top of the
Basic Excess.
We will compensate you for:
The caravan
The caravan is comprehensively insured. We will compensate you if the
caravan is damaged or stolen.
The most we will pay for the caravan is its reasonable market value, or the
stated value on the schedule, whichever is the lesser. If the caravan is stolen,
we do not have to compensate you for four weeks from the time you tell us about
it. If the caravan is financed, we must first pay the finance company. If parts
for the caravan are not available, and it delays the repairs, we will not
compensate you for the inconvenience or money 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 caravan to the closest repairer.
Other parties
We will compensate 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 caravan, 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 compensate you:
No licence, under the influence or endorsed licence
If the caravan is towed by a vehicle driven by you, or by any person who has
your general consent, and the driver;
1) 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 breathaliser test, or
2) has a licence endorsed, whether on the licence or with the authorities, for
negligent, reckless or drunken driving, or for driving while the percentage of
alcohol in that person’s blood exceeded the legal limit
Vehicle or caravan not roadworthy
When the caravan 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.
Caravan used in certain countries outside South Africa
When the caravan is used outside South Africa, Botswana, Lesotho, Malawi,
Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other
parties on your behalf when the caravan 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 caravan, unless you insured them under Caravan Contents.
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 caravan at the time of the accident.
Loose Contents of Caravan
Under this section you may claim for the loose contents inside your caravan.
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 compensate you for:
The loose contents of the caravan, your personal effects and the personal
effects of your family members who live with you. These must be kept inside the
caravan, and the schedule must state that you are paying a premium for it. Loss
or damage caused by fire, lightning, explosion, malicious damage, impact with
the caravan, falling trees (but not while they are being felled), earthquake
(but not from mining operations), storm, flood, break-in or theft, but only when
we can see the damage caused by the break-in.
We do not compensate you:
Deeds, bonds, bills of exchange, promissory notes, money, cheques, stamps,
documents of any kind, manuscripts, medals and coins, rare books, vehicles or
bicycles.
Things you insured more specifically with us. Goods and effects which you use
solely for business, professional or trade purposes.
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