You are covered for the amount shown in the benefits schedule if you have an accident whilst you are on your trip which is the sole and independent cause of your death, permanent total disablement, loss of sight or loss of limb(s) within 12 months of the accident.
If you are aged under 16 at the date of the accident, the amount you are covered for in the event of your death is �2,000.
Payment under this section in respect of all the consequences of an accident shall be limited in total to the amount shown in the benefits schedule. In the event of your death within 12 months of the accident, the total payment will be limited to the amount shown for death.
"Accident" means that you suffer bodily injury as a result of an identifiable and unexpected external cause.
"Permanent total disablement" means that for the twelve months following your accident you are totally unable to work in any occupation for which you are suited by experience, education or training and at the end of that time there is no prospect of improvement.
"Loss of limb(s)" means physical loss of a hand or foot or complete loss of use of a hand, arm, foot or leg.
"Loss of sight" means total and permanent loss of
sight which shall be considered as having occurred:
a. in both eyes if your name is added to the Register
of Blind Persons on the authority of a fully
qualified ophthalmic specialist, or
b. in one eye if the degree of sight remaining after
correction is 3/60 or less on the Snellen scale.
You are not covered for
a. claims resulting from motorcycling.
b. claims arising out of manual labour.