Notice to Policyholders – Private Car

Private Car

The following changes to your motor policy will come into effect upon renewal on or after 1st March 2021.

Communicable Disease Exclusion

Any actual or alleged loss, liability, damage, compensation, injury, sickness, disease, death, medical payment, defence cost, cost, expense, or any other amount, directly or indirectly and regardless of any other cause contributing concurrently or in any sequence, originating from, caused by, arising out of, contributed to by, resulting from, or otherwise in connection with a communicable disease or the fear or threat (whether actual or perceived) of a communicable disease.  Communicable disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where:

• the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not and;
• the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and;
• the disease, substance, or agent can cause or threaten bodily injury, illness, emotional distress or damage to human health, human welfare, or property damage.

Cyber Act Exclusion

Any liability, accident, injury, loss or damage, claim, cost, or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of, or in connection with any cyber act or cyber incident including, but not limited to, any action taken in controlling, preventing, suppressing or remediating any cyber act or cyber incident.  This includes any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any data, including any amount pertaining to the value of such data shall not be recoverable under this policy, nor be considered as physical loss or damage for the purposes of this exclusion.   A cyber act means any unauthorised malicious or criminal act or series of related unauthorised, malicious or criminal acts, regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of, or operation of any computer system. Cyber incident means any error or omission or series of related errors or omissions involving access to, processing of, use of, or operation of any computer system; or any partial or total unavailability or failure or series of related partial or total unavailability or failures to access, process, use or operate any computer system.  Computer system means any computer, hardware, software, communications system, electronic device, server, cloud, or microcontroller including any similar system or any configuration of the aforementioned and including any associated input, output, data storage device, networking equipment, or backup facility.  Data means information, facts, concepts, code, or any other information of any kind that is recorded or transmitted in a form to be used, accessed, processed, transmitted, or stored by a computer system.

Important

It is the policy wording document that defines the insurance in precise terms and remains the legally binding document. Should you have any difficulties or questions about the revised wording please contact us.

The policy wordings may be found here: Motor Policy wordings