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
Trailer
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 Excess on the schedule, on top of the
Basic Excess.
We will compensate you for:
The trailer
The trailer is comprehensively insured. We will compensate 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 is stolen, we do not have to compensate 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
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 trailer 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 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 compensate you:
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;
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 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 compensate 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.
Dial Direct. Click for extra 5% discount
Liberty Life for life insurance & good investment advice