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Motorcycle Cover

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.

You may 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.

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 it 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 was 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. You will be personally responsible for the cost of the removal and storage of your motorcycle if you do not call the Dial Direct Towline and use the approved towing operator we appoint.

Accessories:

Stolen accessories if the motorcycle is stolen at the same time.

Other parties:

1. 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 damaged 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 for:

No Licence, under the influence or endorsed licence.

1. When the driver of the motorcycle is not licensed to drive, or drives 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.

2. When the driver of the motorcycle 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.

Motorcycle not roadworthy:

When the motorcycle is 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 a 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 injury of any person who travels on, mounts or dismounts the motorcycle.

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