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Provisions to Section 5
1. Hire Purchase and Leasing Agreements
If to our knowledge the Vehicle is the subject of a hire purchase or leasing agreement any payment for
damage to the Vehicle which is not made good by repair or replacement may at our discretion be
made to the owner whose receipt will be a full discharge of our liability.

2. Repairs
You may authorise reasonable and necessary repairs without previously obtaining our consent
provided always that notification in accordance with general condition 3 is given to us without delay
and a detailed estimate of the costs of repair is sent to us as soon as possible.

Section 6 – Personal Effects

The Cover
We will at your request provide indemnity up to the amount stated in the schedule for any one event
in respect of damage to personal effects while in or on the Vehicle.
The owner’s receipt will be a full discharge of our liability.

Exclusions to Section 6
This section does not cover:

1. Goods or Samples
goods or samples carried in connection with any business

2. Money or Securities
money, tickets, credit, debit or charge cards, stamps, cheques, bonds, securities or documents of
any description.

Section 7 – Medical Expenses

The Cover
We will pay you up to the amount stated in the schedule for medical expenses incurred by the Driver
or any other person travelling in or on the Vehicle following injury caused by violent, accidental,
external and visible means in direct connection with the Vehicle.

Section 8 – Special Exclusions

This part does not cover:

1. Contractual Liability or Liquidated Damages
any liability assumed by you by agreement which would not have attached in the absence of such
agreement and any indemnity in respect of liquidated damages or under any penalty clause

2. Earthquake or Riot
any accident, death, bodily injury or damage to property except under section 4 arising during or in
consequence of:
a) earthquake occurring outside the territorial limits or any other member of the European Union
b) riot or civil commotion occurring:

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