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
Motorcycle
Under this section you may claim if your motorcycle is damaged or stolen. You
may also claim for the damage you caused to other parties and their property.
The use of the motorcycle
You will only have cover if you use the motorcycle solely for social, domestic
and pleasure purposes and between your home and your permanent place of work.
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 motorcycle
The motorcycle is comprehensively insured. We will compensate you if the
motorcycle is damaged or stolen. The most we will pay for the motorcycle is its
reasonable market value, or the stated value on the schedule, whichever is the
lesser. If the motorcycle is stolen, we do not have to compensate you for four
weeks from the time you tell us about it. If the motorcycle is financed, we must
first pay the finance company. If parts for the motorcycle are not available,
and it delays the repairs, we will not compensate 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 remove the motorcycle to the closest
repairer.
Accessories
Stolen accessories if the motorcycle is stolen at the same time.
Other parties
We will compensate the other party on your behalf for damages, costs and
expenses if the regular driver is legally responsible for an accident caused by
or in connection with the motorcycle, 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 R50 000 for damage to property and
R20 000 for death or injury. These limits are per accident.
We do not compensate you:
No licence, under the influence or endorsed licence
1) When the driver of the motorcycle 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.
2) When the driver of the motorcycle 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.
Motorcycle not roadworthy
When the motorcycle is not in a roadworthy condition as is defined in the
legislation relating to roadworthiness.
Unauthorised use of motorcycle
If someone uses the motorcycle without your knowledge and consent and you have
not laid a criminal charge against them with the Police, within 48 hours. You
may also not withdraw the charge.
Motorcycle used to earn an income or for racing
If the motorcycle is used to carry goods or for trade purposes, hiring, driving
instruction, racing or competition.
Motorcycle used in the motor trade
When the motorcycle is used in connection with the motor trade, unless it is in
for service or repairs.
Motorcycle used in certain countries outside South Africa
When the motorcycle is used outside South Africa, Botswana, Lesotho, Malawi,
Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other
parties on your behalf when the motorcycle 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.
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 the death or the injury of any person who travels on, mounts or dismounts
the motorcycle.
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