Business motor insurance

• The loss of, or damage to, any motor stated on your policy schedule, its accessories and spare parts.
• Liability to others.
• Medical expenses (up to R2,000 per injured occupant).
• Cross liabilities.
• Fire extinguishing charges.
• Principals.
• Tyre damage.
• Waiver of subrogation rights.

Any accident, injury, loss, damage or liability incurred:

• While the motor is being used otherwise than for the use for which it's specified (with your knowledge or consent).
• Outside South Africa, Namibia, Botswana, Lesotho, Swaziland, Zimbabwe, Malawi, Mozambique and Zambia, unless it's in transit by sea or air (with exceptions and conditions as stated on your policy schedule).
• While you (or someone with your consent or knowledge) are under the influence of intoxicating liquor or drugs (unless administered or prescribed by a medical professional other than themself).
• While you (or someone with your consent or knowledge) drive the motor without being licensed to do so (with exceptions and conditions as stated on your policy schedule).

• Contingent liability.
• Credit shortfall.
• Loss of keys.
• Parking facilities and movement of third party motors.
• Passenger liability.
• Riot and strike.
• Unauthorised passenger liability.
• Wreckage removal.