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3. Defective Goods or Treatment
death of or bodily injury to any person or damage to property caused by or attributable to:
a) any defect in or the action of any commodity or goods or anything including any packaging,
container and label transported by or disposed of from the Vehicle or any motor vehicle not your
property or provided by you
b) treatment given or services provided at or from the Vehicle or any other motor vehicle

4. Employers’ Liability
death of or bodily injury to any person arising out of or in the course of that person’s employment by the
person claiming indemnity if insurance cover in respect of liability for such death or bodily injury is provided
as a requirement of any compulsory employers’ liability legislation within the Geographical Limits

5. Loading or Unloading
death of or bodily injury to any person or damage to property caused or occurring beyond the limits
of any Road in connection with:
a) the bringing of the load to any Vehicle for loading thereon
b) the taking away of the load from any Vehicle after unloading therefrom

by any person other than the Driver or attendant of such Vehicle

6. Other Insurances
any person other than you if that person is entitled to indemnity under any other insurance

7. Pollution or Contamination
death of or bodily injury to any person or damage to property directly or indirectly caused by
Pollution or Contamination unless the Pollution or Contamination is directly caused by a sudden,
identifiable, unintended and unexpected incident which occurs in its entirety at a specific time and
place during the period of insurance.
All Pollution or Contamination which arises out of one incident will be deemed to have occurred at the
time such incident took place

8. Terrorism
any amount in excess of the sum stated in the schedule inclusive of Costs and Expenses or the
minimum amount required by the compulsory motor insurance legislation in the country in which the
insured event occurs whichever is the greater directly or indirectly caused by, contributed to by,
resulting from or arising out of or in connection with terrorism.
In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
provided under this part the burden of proving that cover is provided under this part will be upon you

9. Tool of Trade
death of or bodily injury to any person or damage to property caused by or arising out of the use of
mechanically propelled plant or an attachment of the Vehicle while working as a tool of trade.

Exclusions 1, 3, 7 and 9 will not apply in circumstances where it is necessary to meet the requirements
of any compulsory motor insurance legislation operative within the Geographical Limits.

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