SECTION 1 – RENTAL VEHICLE EXCESS

The cover and benefits discussed in this section are only applicable to the Specified Driver.

Cover under this section is only available if your Vehicle Rental Agreement states an Excess, deductible or damage liability fee that must be paid if the hired vehicle is damaged or stolen while it is in your possession.

Other items covered by this section include the roof, undercarriage, tyres, auto glass, windscreens, bumpers, and trim if the rental vehicle supplier’s indemnity does not cover them in your agreement. However, our obligation in case of damage or loss will not exceed the amount of the excess, deductible or damage liability fee stated in your Vehicle Rental Agreement, up to the limit displayed under your chosen plan in the Table of Benefits.

1.1 WHAT WE COVER

We will pay up to the excess amount that can be seen on your Certificate of Insurance for any single incident or up to the excess amount that can be seen on your Certificate of Insurance for all incidents during Your entire Period of Cover for the reimbursement of the Excess applied by the Rental Company caused by accidental damage to the Rental Vehicle including any caused by fire, theft or vandalism, as well as for any repair costs that the Rental Company charges You or for payments that You are responsible for under the terms of Your Vehicle Rental Agreement
following accidental damage to windscreens, tyres, roof and under-carriage.

We will pay up to US$ 300 for any Loss of Use of the Rental Vehicle due to damage and theft. We will pay up to US$ 300 for any rental fees charged by the Rental Company for which You are liable during a period for which the Rental Vehicle is unable to be used by You and for any related towing costs including any additional costs incurred by You arising from the breakdown of the Rental Vehicle for You to travel home or to Your destination, as long as those fees or costs are the result of accidental damage or theft.

Misfuelling: We will pay up to US$ 500 in the event that the wrong type of fuel is put into the Rental Vehicle by any person named on the Vehicle Rental Agreement.

You are required to submit to us a copy of:

• your Vehicle Rental Agreement;
• the completed incident report;
• Driver’s license;
• an itemised record of the damage value; and
• a written document from the rental car provider stating that you are required to pay the excess, deductible or damage liability fee.
• Proof of payment – for any amount paid higher than US$ 200, we shall require a copy of your credit card or bank statement reflecting such payment.

2. We will also pay up to an additional $500 to cover the cost of returning the rented vehicle to the nearest depot if your attending medical personnel provides a written confirmation that you have become unfit to drive.

1.2 WE WILL NOT PAY

Within legal boundaries, we will not reimburse a claim for the direct or indirect damage or loss of the rental vehicle

1. due to your use of the rental vehicle in a way that violates your rental agreement;
2. due to your use of the rental vehicle for a purpose that you do not have the necessary licence for; or
3. if the rental company’s charges or fees are not part of the excess, deductible or damage liability fee stated in the Vehicle Rental Agreement.
4. When you are not the driver of the rental vehicle, it is not under your control, or it is being driven by someone who is not listed on the vehicle rental agreement (up to 8 additional drivers).
5. Any amount for Loss of Use where there is no valid Excess damage or theft claim under the policy.
6. Breakdown of the Rental Vehicle caused by lack of fuel, frozen fuel or any other cause not directly resulting from accidental damage or theft.

SECTION 2 – BAGGAGE & PERSONAL BELONGINGS

This section discusses the cover and benefits that a Specified Driver and his passengers have.

2.1 WHAT WE COVER

1. 1. If your baggage, personal belongings or valuables are taken, permanently lost or unintentionally damaged during your trip, we will pay whichever of these is the lowest:
      • the repair cost;
      • the replacement cost;
      • the cost for us to repair or replace the item(s) using trade discounts we have access to
      • the original purchase price; or
      • the value after deducting depreciation due to age, wear, and tear.

(Exceptions: if the item is left in a motor vehicle, is a sporting equipment being used, or are valuables for transport in the cargo hold of an aircraft, ship, train, tram or bus)

We reserve the right to repair or replace the baggage and personal belongings or valuables instead of paying you.

The highest amount we will reimburse is $500 each person for all baggage and personal belongings combined .

1. The insurance only covers baggage and personal belongings left in a motor vehicle during the daytime. The items should be in an unexposed compartment, the
   vehicle should be locked, and forced entry should have occurred.
2. The insurance does not cover valuables left in a motor vehicle or checked in for transport in the cargo hold of any aircraft, ship, train, tram or bus. Loss from the time of check in until pick up from the baggage carousel or collection area at the end of your trip is also not covered.
3. The insurance does not cover the loss of or damage to sporting equipment (including surfboards) while being used.

2.2 WE WILL NOT PAY

Within legal boundaries, we will not reimburse a claim for your baggage and personal belongings or valuables if:

1. you do not inform the police or office of the transportation authority about the lost, stolen or misplaced item within 24 hours. As proof, you must submit to us a written documentation from whoever took your report;
2. the loss, damage or theft involves intangible assets such as electronic data or software;
3. the loss, damage or theft of the baggage and personal belongings or valuables happens after you have checked out of the hotel or motel room, or the items are left behind in an aircraft, train, tram, ship, taxi or bus the loss, damage or theft is to a watercraft that is not a surfboard;
4. the items were being transported without you or through a freight service;
5. the damage or loss stems from any cleaning, alteration or repair process;
6. the damage or loss is due to deterioration, common wear and tear, rodents, vermin, insects or weather or atmospheric factors;
7. the items were left unattended in a public area;
8. Money, stamps, tickets, documents, securities;
9. Telephone, communications or entertainment equipment, including but not limited to mobile phones, satellite navigation systems and games consoles;
10. goods, samples or equipment carried in connection with any trade or business;
11. the damage is caused by a vehicular crash during your travel;
12. the loss, damage or theft is of home appliances, furniture or furnishings.

SECTION 3 – VEHICLE KEY REPLACEMENT

We will reimburse you up to USD 500 (or the equivalent in other currencies) for each claim in any year for the replacement key of your rental vehicle, including the replacement locks and fees for the locksmith’s service.

SECTION 4- HOTEL EXPENSES

4.1 WHAT WE COVER

We will pay up to US$ 150 in total for You or Your travelling companions for any necessary overnight accommodation if You are unable to use Your Rental Vehicle as a result of it being stolen or damaged following an accident.

4.2 WE WILL NOT PAY

We will not pay for overnight accommodation if You are less than 50 miles from Your home and /or any amount exceeding US$ 150.

SECTION 5 – DROP OFF CHARGES

5.1 WHAT WE COVER

If You Are Unable to Return the Rental Vehicle to the Rental Company due to: (a) An accident where hospitalization takes place; (b) An Illness where hospitalization takes place, We will pay up to US$ 250 for Drop Off Charges Incurred.

5.2 WE WILL NOT PAY

• where proof of hospitalisation is not available;
• where the Vehicle Rental is a One-Way Rental;