DEFINITE PRIVATE TERMS AND CONDITIONS

1. Your Duty

We will only make a payment under this policy if:

• The information you have provided in the proposal for this insurance is true and complete to the best of your knowledge and belief; and
• You or any other person entitled to indemnity meets all the terms, conditions and endorsements under this Policy.

2. Duty of Care

You will:

• Ensure the vehicle(s) is/are at all times in roadworthy condition
• Take all other reasonable steps to prevent accidents, injuries, loss or damage
• Allow us access, at any reasonable time, to examine the vehicle(s)

3. Communication of Changes

You will inform us immediately of any important changes affecting the vehicle(s) covered under this Policy and/or its/their use.

4. Claims

• You must report to us any accident, injury, loss or damage involving your vehicle(s) within 7 days of the accident.
• While filling the claim form, you must provide your correct contact information together with the contact information of any person involved in the events of the accident.
• If the vehicle(s) is/are lost or damaged as a result of theft, attempted theft or malicious damage, you must immediately make a report to the police and obtain a police report.
• You must also inform us immediately you become aware of any current or future prosecution or proceedings in connection with any event for which there may be any liability under this policy.
• Any correspondence relating to any incident should be sent to us immediately and unanswered.

1. Young and/or inexperienced driver's excess

We will not be liable under Sections I and II of this Policy for the first "As shown in the schedule" of any amount otherwise payable in respect of loss or damage to the Vehicle (other than by Fire, external explosion, self-ignition or lightning or theft occurring whilst the Vehicle is being driven or is in the charge of an Authorized Driver who:

• is under twenty-one (21) years of age; and/or,
• has not held for a period of two (2) years a licence other than a provisional licence to drive a vehicle of the same class as your Vehicle.

2. Transfer of Ownership/Cancellation of Policy

This being a personal contract it is not transferable to other parties. Thus, in the event of the sale of the vehicle(s) or Cancellation of the Policy, certificate of insurance in MUST be cancelled, by notifying the Company immediately.

3. Premium Payment (Financier)

Where the premium or any part thereof was paid with the benefit of finance agreement and there remains sums outstanding (whether or not the date for payment of the said sums or any part thereof has fallen due) by you to the financier we may at our option deduct all or any part of the sums outstanding between you and the financier from any claims settlement due in respect of a loss under this Policy, provided the sum thereby deducted is paid directly by us to the financier.

4. Terrorism Exclusion Clause

Notwithstanding any provision to the contrary within this agreement or any endorsement thereto, this insurance agreement does not cover any liability, loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from, happening through or in connection with any act of terrorism, regardless of any other cause contributing concurrently or in any other sequence to the loss, damage, cost or expense.

5. Cash and Carry Warranty/ Premium Payment Warranty

Notwithstanding anything contained herein to the contrary, it is hereby understood and agreed that the indemnity provided by this policy will only apply on payment of full premium to the Company in accordance with the provisions of amended Section 156(2) of the Insurance Act Cap 487, failure to which cover lapses. It is further noted that the Company shall only assume risk upon receipt of the full premium. Subject otherwise to the terms, conditions, limitations and exceptions of the policy.