Document ID: chunk:federal_register_of_legislation:F2019L00902:body:0:p12
Version: federal_register_of_legislation:F2019L00902
Segment Type: other
Provision Reference: 
Character Range: 24912–27374

will pay for a claim using this section is the amount of the sum insured.

PART 6 DEATH OF YOU OR YOUR FAMILY

This policy insures you for the death of you or your family that is a direct result of a physical injury caused by one of the 'Events causing death' listed below. We automatically provide you with this insurance when you buy this policy. It is additional to the sum insured which means that the sum insured is not affected by any death claim we agree to pay.

What we insure you for
We insure you for the death of you or your family.

We only insure you if:
       * the death is the direct result of a physical injury caused by one of the 'Events causing death' listed below, and
       * that event happens at the home or site during the period of insurance, and
       * the death happens within 90 days of that event, and
       * we are shown a death certificate given by a registered medical practitioner as proof of the cause of death, and
       * the claim is not excluded by the specific exclusions we list in this section under 'What we do not insure you for'.

Events causing death
We insure you for the death of you or your family caused by:
       * fire
       * explosion
       * lightning or thunderbolt
       * earthquake
       * flood or tidal wave
       * riot or violent civil disorder
       * impact (that is, sudden and violent collision) with any:
-vehicle, aircraft, tree or branch
-space debris, debris from any aircraft, rocket, or satellite
-television aerial or radio or its mast.

What we do not insure you for
We do not insure you for:
       * suicide
       * death caused by any kind of illness or disease
       * death caused by any kind of war, or war like or terrorist activities.

What we pay

A. Death benefit
If we agree to a claim for death under this Part of the policy, we will pay you or your legal personal representative a death benefit.

B. Funeral expenses
If we agree to pay a claim for death under this Part of the policy, we will also pay for funeral expenses.

Limits on what we pay
The most we will pay for death in each period of insurance is $10,000 for each death, up to a maximum of $40,000 for all deaths.
The most we will pay for funeral expenses in each period of insurance is $2,500 for each funeral, up to a maximum of $10,000 for all funerals.

PART 7 GENERAL EXCLUSIONS

We do not insure you for loss or damage that is not directly caused by an event that we insure you