You must be aware that your motor insurance policy does not simply cover any loss or damage and that there are exceptions. Most of these exceptions are listed out in the policy wording, especially under the section titled ‘General Exceptions’ or ‘Exclusions’
The general exceptions in the Motor Insurance Policy are applicable to all sections of the policy. The one which is being discussed reads as follows:
“The company shall not be liable under this policy in respect of any accidental loss or damage and / or liability caused, sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the’ limitations as to use’.”
But what are these ‘limitations as to use’?
You could scour the policy wording in an attempt to find what this means, but there is no explanation/definition for the phrase ‘Limitations as to Use’. BUT, you will find a brief and unhelpful definition of the phrase ‘Limitations as to Use’ in the Policy Schedule.
That definition is as follows:
The policy covers use of the vehicle for any purpose other than
These ‘Limitations as to Use’ dictate that your car is insured for the use of vehicle for purposes other than those stated above. ‘Limitations as to Use’ are so vague and subjective that an insurance company could deny any claim on the basis of these.
Consider the following scenarios:
To conclude: the phrase ‘Limitations as to Use’ is dangerous. We need to ensure that everything falls within these ‘Limitations as to Use’. Or else we have a problem.
This blog post is brought to you by the minds at insurancepe!
Got questions or doubts about anything insurance?
Need advice or help understanding your insurance needs?
Want the best bang for your buck when buying insurance?
We got you!
Reach out to us at:
Whatsapp: 89779 18030
Phone: 040 6631 5464
E-mail: contact@insurancepe.com
Visit us at: www.insurancepe.com