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Section 2 – Extent of Cover

Cover only applies within the Geographical Limits for death, injury, loss or damage caused or arising in
the period of insurance stated in the schedule. The extent of cover applicable is as stated in the
schedule or any relevant endorsement and the following meanings apply to words or expressions used.

Comprehensive
The full insurance as written in this part.

Third Party, Fire and Theft
Section 5 does not apply except for damage to the Vehicle by:

a) fire, lightning, self ignition or explosion
b) theft or attempted theft.
Sections 6 and 7 do not apply.

Third Party only
Sections 5, 6 and 7 do not apply.

Section 3 – Excesses
When cover is applicable you will be liable to pay or refund to us excesses in the amounts which are
stated in the schedule and which apply in respect of claims and expenses as follows.

Damage
All claims and expenses under section 5 other than claims in respect of:

a) breakage of glass in the windscreen, windows or sunroof of the Vehicle or the scratching of
bodywork caused by such breakage

b) damage to the Vehicle caused by:
i) fire, lightning, self ignition or explosion
ii) theft or attempted theft.

Fire
All claims and expenses under section 5 in respect of damage to the Vehicle caused by fire, lightning,
self-ignition or explosion.

Personal Effects
All claims and expenses under section 6.

Theft
All claims and expenses under section 5 in respect of damage to the Vehicle caused by theft or
attempted theft.

Third Party
All claims and expenses under section 4.

Windscreen
All claims and expenses under section 5 in respect of breakage of glass in the windscreen, windows or
sunroof of the Vehicle or the scratching of bodywork caused by such breakage.
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