BicycleInsurancePolicy Wording

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BicycleInsurancePolicy Wording
B
icyc
leInsu
rancePo
l
icy Wo
rd
ing
Th
i
sdo
cumen
t
i
sa
lega
l
l
yb
ind
ingcon
t
ra
c
to
fIn
su
ran
ce
be
tweenyouandus.Thecon
t
ra
c
t
i
sba
sedonthe
veusintheS
ta
temen
to
fFa
c
ttha
tyou made
.
in
fo
rma
t
ionyou ga
We ag
reetoin
su
reyou unde
rthete
rm
s
,cond
i
t
ion
sande
x
cep
t
ion
s
con
ta
ined
inth
i
sboo
k
le
tandan
yendo
rsemen
tstha
tapp
l
ytoth
i
s
boo
k
le
t
.You a
re
in
su
redfo
ran
y
l
iab
i
l
i
ty
,
lo
s
so
rdamagetha
to
ccu
r
s
r
iodo
finsu
rancefo
rwh
i
chyou ha
vepa
id
,o
rag
reedto
du
r
ingan
ype
pa
yap
rem
ium
.
Un
le
s
swe ha
veag
reedo
the
rw
i
sew
i
thyou,th
i
sIn
su
ran
cei
sgo
ve
rned
b
yEng
l
i
shlaw
.
DEF
IN
IT
IONS
Thefo
l
low
ingwo
rd
so
rph
ra
se
sha
vethesame mean
ingwhene
ve
rthe
y
le andendo
r
semen
t
s
.The
se
appea
r
inth
i
sdo
cumen
t
,theschedu
wo
rd
sa
reh
igh
l
igh
tedb
ytheu
seo
fbo
ldp
r
in
t
.
Abandonmen
t
,Abandoned -whenapeda
lcyc
lei
s
le
f
tina
lo
ca
t
ion
o
the
rthantheinsu
redloca
t
ionfo
r mo
rethan12con
se
cu
t
i
vehou
r
so
r
at
ran
s
i
t
iona
reaawa
i
t
ingu
sedu
r
ingano
rgan
i
sedcompe
t
i
t
i
vet
r
ia
th
lon
o
rcy
c
l
inge
ven
tfo
r mo
rethan48hou
r
s
Acc
iden
t -asuddenandune
xpe
c
tede
ven
twh
i
chhappen
sb
ychan
ce
du
r
ingthepe
r
iodo
finsu
rance.
Accesso
r
ies –peda
lcyc
lere
la
tedequ
ipmen
townedb
yyou and
u
sed
incon
jun
c
t
ionw
i
thpeda
lcyc
le d
i
sc
lo
sedontheschedu
le wh
i
ch
a
reno
te
s
sen
t
ia
lto
i
t
sope
ra
t
ion,in
c
lud
ingbu
tno
tl
im
i
tedto
,sadd
le
bag
s
,b
i
kecompu
te
r
s
,bo
t
t
lecage
s
,bo
t
t
le
s
,c
l
ipont
r
iba
rsand
l
add
i
t
iona
lwhee
l
sownedb
yyouandno
td
i
s
c
lo
seda
spa
r
to
fthepeda
cyc
le.
Adu
l
t -pe
r
sonwhoha
srea
chedtheageo
f18yea
r
s
.
App
rovedLock -alo
c
kwh
i
cha
tthet
imeo
fpu
r
cha
seb
yyou wa
s
spe
c
i
f
ied
inthe Ma
s
te
rLo
ck
sm
i
th
sA
sso
c
ia
t
ion(MLA
)‘So
ldSe
cu
re
’
l
i
s
t
o
fpeda
lcyc
lelo
c
k
sandwh
i
cha
tthet
imeo
fthepu
r
cha
seb
yyou wa
s
app
rop
r
ia
tetotheva
lueo
fyou
rpeda
lcyc
le
.
B
ikeBox–luggagede
ve
lopedspe
c
i
f
i
ca
l
l
yfo
rtheca
r
r
iageo
fapeda
l
cyc
leo
rpeda
lcyc
le whee
l
s
,e
i
the
rownedo
r
inyou
r cu
s
tod
y
,ca
reo
r
r ownpeda
lcyc
leo
rpeda
l
con
t
ro
lfo
rtheca
r
r
iageo
fyou
cyc
le whee
l
s
.
Bod
i
lyin
ju
ry -dea
tho
riden
t
i
f
iab
leph
y
s
i
ca
l
in
ju
r
yre
su
l
t
ingso
le
l
yand
independen
t
l
yf
roman
acc
iden
t.
Commencemen
tDa
te -theda
teyou
r co
ve
rs
ta
r
t
sa
sshownon
theschedu
le.
CommonCa
r
r
ie
ri
sape
r
sono
rcompan
ytha
tt
ran
spo
r
tsgood
so
r
peop
lefo
ran
ype
r
sono
rcompan
yandtha
t
i
sre
spon
s
ib
lefo
ran
y
po
s
s
ib
lelo
s
so
fthegood
sdu
r
ingt
ran
spo
r
t
.
Endo
rsemen
t
(s
)-an
yte
rm
sandcond
i
t
ion
sadd
i
t
iona
ltoth
i
s
in
su
ran
ceandspe
c
i
f
iedonthe
schedu
le.
Ev
idenceo
f Owne
rsh
ip-o
r
ig
ina
lpu
r
cha
sere
ce
ip
t
,show
ingtheda
te
,
p
r
i
cepa
id
,de
ta
i
l
so
fthepeda
lcyc
leandapp
rovedlockin
c
lud
ing
nameandadd
re
sso
fse
l
le
r
(
s
)
,o
ro
the
re
v
iden
cewh
i
chc
lea
r
l
y
demon
s
t
ra
tesowne
r
sh
ip
.
Fam
i
ly-pa
ren
t
s
,spou
se
,pa
r
tne
r
,son
,daugh
te
ro
rs
ib
l
ing
s
,who
pe
rmanen
t
l
y
l
i
vew
i
thyou.
Fo
rc
ib
leandV
io
len
tEn
t
ry–
a
) en
t
r
ye
v
iden
cedb
yv
i
s
ib
ledamagetothefab
r
i
co
fthe
bu
i
ld
ingo
rveh
i
c
lea
tthepo
in
to
fen
t
r
y
b
) damagecau
sedtoanimmovab
leob
jec
to
rapp
rovedlock
He
lme
tsandC
lo
th
ing–an
yspe
c
ia
l
i
s
tt
r
ia
th
lono
rcy
c
l
inga
r
t
i
c
le
so
f
c
lo
th
ingin
c
lud
ingwe
tsu
i
ts
,e
yewea
r
,foo
twea
ro
rheadgea
r
Immovab
le Ob
jec
ta
) Anob
je
c
twh
i
chcanno
tbeundoneo
rremo
vedun
les
su
s
ing
e
x
t
remefo
r
ce
.
b
) Ap
rope
r
l
yf
i
xed mo
to
rveh
i
c
lepeda
lcyc
lera
c
kwh
i
chi
s
lo
c
kedtotheveh
i
c
le
.
c
) Apeda
lcyc
lera
c
ksupp
l
iede
xp
re
s
s
l
yfo
rthepu
rpo
seo
f
se
cu
r
ingpeda
lcyc
leswh
i
chcanno
tbeundoneo
rremo
ved
un
le
ssu
s
inge
x
t
remefo
r
ce
,in
c
lud
ingtho
sefounda
tra
i
l
s
ta
t
ion
s
,c
i
tycen
t
re
sandp
la
ce
so
fwo
r
k
.
In
su
redLo
ca
t
ion-the
lo
ca
t
ions
ta
tedinthes
chedu
lewhe
re
thepeda
lcyc
lei
su
sua
l
l
ykep
twh
i
chsha
l
l mean
:
a
) Ahou
sebu
i
l
to
fb
r
i
ck
,con
c
re
teo
rs
toneandroo
fedw
i
th
s
la
te
,t
i
le
so
ra mu
l
t
ila
ye
redroo
f
.
b
) Anou
tbu
i
ld
ingo
rga
ragebu
i
l
to
fb
r
i
ck
,con
c
re
teo
rs
toneand
roo
fedw
i
ths
la
te
,t
i
le
s
,co
r
ruga
teds
tee
l
,a
sbe
s
to
so
r mu
l
t
i
la
ye
redroo
f
,wh
i
chi
sa
t
ta
chedtoo
rw
i
th
inthebounda
r
ie
so
f
ap
r
i
va
tehou
seand
i
sp
r
i
va
te
l
ya
c
ce
ssed
.
c
)
Ap
r
i
va
te
l
ya
cce
s
sedwoodenshedwh
i
chi
sse
cu
re
l
y
lo
cked
a
ta
l
lt
ime
s
,w
i
th
inthebounda
r
ie
so
fthep
rope
r
ty
in
wh
i
chyouno
rma
l
l
yre
s
ide
.
d
) Ase
l
f
con
ta
inedf
la
tw
i
th
inab
r
i
ck
,con
c
re
teo
rs
tonebu
i
ld
ing
w
i
thas
la
te
,t
i
ledo
r mu
l
t
ila
ye
redroo
f
.
e
) Ase
l
f
con
ta
ined
lo
c
kab
lep
r
i
va
teroom
ine
i
the
ryou
rno
rma
l
p
la
ceo
fwo
r
ko
rtheha
l
l
so
fre
s
iden
ceo
faun
i
ve
r
s
i
ty
in
wh
i
chyouno
rma
l
l
yre
s
ide
.
f
) Acommuna
lroomo
rha
l
lwa
y
inab
r
i
c
k
,con
c
re
teo
rs
tone
bu
i
ld
ingw
i
thas
la
te
,t
i
ledo
r mu
l
t
i
la
ye
redroo
f
,
in
wh
i
chyouno
rma
l
l
yre
s
ideo
r
i
syou
rno
rma
lp
la
ceo
fwo
r
k
.
g
) Acommuna
lou
tbu
i
ld
ingbu
i
l
to
fb
r
i
c
k
,con
c
re
teo
rs
toneand
roo
fedw
i
ths
la
te
,t
i
le
s
,co
r
ruga
teds
tee
l
,a
sbe
s
to
so
r mu
l
t
i
la
ye
redroo
fw
i
th
inthebounda
r
ie
so
fthebu
i
ld
ing
in
wh
i
chyouno
rma
l
l
yre
s
ide
,in
c
lud
ingbu
tno
t
l
im
i
tedto
unde
rg
roundca
rpa
r
k
s
.
h
) Co
ve
r
i
se
x
tendedtoan
ytempo
ra
r
yre
s
iden
cesu
cha
sa
ho
l
ida
yco
t
tage
/home
,gue
s
thou
se
,ho
te
lo
r
l
i
kefo
ra
ma
x
imumpe
r
iodo
f60da
y
sa
tanyonet
imedu
r
ing
thepe
r
iodo
f
in
su
ran
ce
,p
ro
v
id
ingyou
rse
c
t
iono
fthe
tempo
ra
r
yre
s
iden
ce
i
sse
l
fcon
ta
inedandlo
c
kab
le
.
In
su
redPe
r
son-thepe
r
sonnamedinthes
chedu
lea
sthe
in
su
red
.
Lo
s
so
fL
imb
(
s
)-the
lo
s
so
fahando
rfoo
tb
yph
y
s
i
ca
lse
ve
ran
ceo
r
to
ta
l
lo
sso
fu
seo
fanen
t
i
rehando
rfoo
t
.
Lo
s
so
fS
igh
t-theto
ta
land
i
r
re
co
ve
rab
le
lo
sso
fs
igh
t
inane
ye
.
Ma
l
ic
iousDamage -the
in
ten
t
iona
ldamagecau
sedb
yath
i
rdpa
r
ty
.
Ove
rn
igh
t – acon
t
inuou
spe
r
iodine
x
ce
sso
fs
i
xhou
r
sdu
r
ingthe
hou
r
so
fda
r
kne
s
s
Peda
lCyc
le
(s
) –an
yb
i
cy
c
le
,t
r
i
cy
c
le
,tandemo
rt
ra
i
le
rcy
c
lepowe
red
b
yhumanpeda
l
l
ingand
/o
rba
t
te
r
ywh
i
ch
i
sno
tsub
je
c
ttothe
requ
i
remen
t
so
ftheRoadT
ra
f
f
i
cA
c
tanda
sd
i
s
c
lo
sedon
theschedu
le,
in
c
lud
inga
l
lcomponen
t
s
,equ
ipmen
tupg
rade
s
,o
rcy
c
le
lcyc
le anda
ree
ssen
t
ia
l
re
la
tedequ
ipmen
twh
i
chfo
rmpa
r
to
fthepeda
to
i
t
sope
ra
t
ionandwh
i
cha
reownedb
yyou o
rfo
rwh
i
chyou a
re
lega
l
l
yre
spon
s
ib
le
.
Pe
r
iodo
fIn
su
ran
ce-thepe
r
iodfo
rwh
i
chth
i
spo
l
i
cy
i
s
info
r
cea
s
shownontheschedu
le
.
Pe
rmanen
tTo
ta
lD
i
sab
lemen
t-d
i
sab
lemen
twh
i
chen
t
i
re
l
yp
re
ven
t
s
the
in
su
redpe
r
sonf
roma
t
tend
ingtoan
yremune
ra
t
i
veo
ccupa
t
ionand
wh
i
cha
f
te
rape
r
iodo
f12 mon
th
sf
romtheda
teo
fd
i
sab
lemen
t
i
s
,
in
theop
in
iono
fa med
i
ca
lre
fe
ree
,be
yondpo
ss
ib
i
l
i
tyo
f
imp
ro
vemen
t
.
Roads
ideass
is
tanceandrecove
ryInc
iden
t-Anacc
iden
t,a
c
to
f
vanda
l
i
sm
,o
r
i
r
repa
rab
leb
rea
kdowntothepeda
lcyc
le,wh
i
ch
peda
lcyc
leimmob
i
l
i
sed
.
immed
ia
te
l
yrende
r
sthe
Recove
ry Ope
ra
to
r-the
independen
tcon
t
ra
c
to
rappo
in
tedb
yusto
a
t
tendaroads
ideass
is
tanceandrecove
ryInc
iden
t
.
S
chedu
le-thedo
cumen
tshow
ingthede
ta
i
l
so
fthein
su
redpe
r
son
,the
co
ve
rp
ro
v
idedandan
yendo
r
semen
tstha
tapp
l
y
.
Se
l
fcon
ta
ined-nosha
redfa
c
i
l
i
t
ie
sandasepa
ra
te
lo
ckab
leen
t
ran
ce
unde
ryou
r so
lecon
t
ro
l
.
Spo
r
tsCo
ve
r–Co
ve
r
i
sp
ro
v
idedfo
rc
la
im
sa
r
i
s
ingou
to
ftheu
se
o
f you
rpeda
lcy
c
le
inan
yo
rgan
i
sede
ven
t
SumIn
su
red-theamoun
tse
tou
tonthes
chedu
le
Te
r
r
i
to
r
ia
lL
im
i
ts– Wo
r
ldw
ide(pub
l
i
c
l
iab
i
l
i
tye
x
c
luded
inUSAand
Canada
)
Te
r
ro
r
i
sm-ana
c
t
,o
rtheth
rea
to
fana
c
t
,b
yan
ype
r
sono
rg
roupo
f
pe
r
son
s
,whe
the
ra
c
t
inga
loneo
ronbeha
l
fo
fo
r
inconne
c
t
ionw
i
than
y
o
rgan
i
sa
t
iono
rgo
ve
rnmen
t
,tha
t
:
a
)Iscomm
i
t
tedfo
rpo
l
i
t
i
ca
l
,re
l
ig
iou
s
,ideo
log
i
ca
lo
rs
im
i
la
r
pu
rpo
se
s
;and
Ye
l
lowJe
rseyCyc
leInsu
rance
isat
rad
ings
ty
leo
fTheP
lan G
roupL
im
i
tedreg
is
te
red
inEng
landand Wa
les
,Companynumbe
r4108942
,
Reg
is
te
red O
f
f
ice O
r
ionHouse
,854B
r
igh
tonRoad
,Pu
r
ley
,Su
r
rey
,CR82BH
.TheP
lan G
roupL
im
i
tedisau
tho
r
isedandregu
la
tedbytheF
inanc
ia
lConduc
tAu
tho
r
i
ty
.
B
icyc
leInsu
rancePo
l
icy Wo
rd
ing
b
)Is
in
tendedto
in
f
luen
cean
ygo
ve
rnmen
to
rtopu
tthepub
l
i
c
,o
r
an
yse
c
t
iono
fthepub
l
i
c
,
infea
r
;and
c
) i
.
in
vo
l
ve
sv
io
len
ceaga
in
s
toneo
r mo
repe
r
son
s
;o
r
i
i
.
in
vo
l
ve
sdamagetop
rope
r
ty
;o
r
i
i
i
.endange
r
s
l
i
feo
the
rthantha
to
fthepe
r
soncomm
i
t
t
ing
thea
c
t
ion
;o
r
i
v
.c
rea
te
sar
i
sktohea
l
tho
rsa
fe
tyo
fthepub
l
i
co
rase
c
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f
t
, Ma
l
ic
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DamageandAcc
iden
ta
l
Damage
1
.The
f
to
r Ma
l
ic
iousDamagef
romtheinsu
redloca
t
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tisCove
red
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ce
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r
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r
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fbe
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conom
i
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r
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la
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to
ra
l
l
o
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lcyc
le w
i
ththesameo
ras
im
i
la
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r
t
i
c
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i
kek
ind
,
fun
c
t
iona
l
i
tyandqua
l
i
tyuptothesum
in
su
redshownin
thes
chedu
lesub
je
c
ttotheva
lueo
fthepeda
lcy
c
le
.We ma
yu
se
spe
c
ia
l
i
s
tsupp
l
ie
r
sfo
rrepa
i
ro
rrep
la
cemen
tcho
senb
yu
s
.
Accesso
r
ies
,b
ikeboxes
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lme
tsandc
lo
th
ing a
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ve
redupto
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red a
sshownintheschedu
le andsub
je
c
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lue
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tisno
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1
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i
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s
t£100o
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ve
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yc
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im
2
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to
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l
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romtheinsu
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loca
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vo
l
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len
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en
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ry andyou ha
vecomp
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cu
r
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tyRequ
i
remen
t1
3
. The
f
to
rMa
l
ic
iousDamage whenthepeda
lcyc
lei
s
lo
c
ked
toanimmovab
leob
jec
tb
yanapp
rovedlock un
le
s
sthe
ke
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ce
ip
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r
cha
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ftheapp
roved
lockdemon
s
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ra
t
ingthe ma
keand mode
l
,o
rtherema
in
so
f
theapp
rovedlock a
rep
ro
v
ided
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r
to
fan
yc
la
im
4
. The
f
to
rMa
l
ic
iousDamage f
romanunoccup
iedinsu
red
loca
t
ion
.
5
. Une
xp
la
inedThe
f
to
rMa
l
ic
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6
. The
f
to
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yaccesso
r
ies
,he
lme
tsand
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c
lo
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romtheinsu
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sde
s
c
r
ibedinf
)
7
.
8
.
9
.
communa
lha
l
lwa
yandg
)communa
lou
tbu
i
ld
ing
,un
le
s
s
thepeda
lcyc
lei
t
se
l
f
i
ss
to
lena
tthesamet
ime
The
f
to
r Ma
l
ic
iousDamage whe
nyou
rpeda
lcyc
lei
s
se
cu
redb
ya
lo
c
kwh
i
chi
son
l
yapp
ro
vedfo
ru
sew
i
tha
i
tha
lowe
rva
luetha
nyou
rpeda
lcyc
le
peda
lcyc
le w
Wh
i
l
s
tthepeda
lcyc
lei
su
sedo
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rw
i
seina
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co
rdan
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i
th
a
l
lapp
l
i
cab
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llaw
s
.
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s
s
iona
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rSem
iP
ro
fe
s
s
iona
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th
le
te
sde
r
i
v
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r
to
ra
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l
l
o
fthe
i
r
in
comef
roma
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tl
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inre
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romus
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. The
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r Ma
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romtheinsu
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loca
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red
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l
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rop
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io
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ve
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iona
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ce
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ypa
r
t
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r
,
i
fbe
yonde
conom
i
crepa
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r
,rep
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to
ra
l
l
o
fthepeda
lcyc
le w
i
ththesameo
ras
im
i
la
ra
r
t
i
c
leo
fl
i
kek
ind
,
fun
c
t
iona
l
i
tyandqua
l
i
tyuptothesum
in
su
redshownin
thes
chedu
lesub
je
c
ttotheva
lueo
fthepeda
lcy
c
le
.We ma
yu
se
spe
c
ia
l
i
s
tsupp
l
ie
r
sfo
rrepa
i
ro
rrep
la
cemen
tcho
senb
yu
s
.
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r
ies
,b
ikeboxes
,he
lme
tsandc
lo
th
ing a
reco
ve
redupto
thesuminsu
red a
sshownintheschedu
le andsub
je
c
ttotheva
lue
.
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tisno
tCove
red
1
. Thef
i
r
s
t£100o
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ve
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yc
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im
.
2
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f
to
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l
ic
iousDamage un
le
s
syou ha
vecomp
l
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i
th
Se
cu
r
i
tyRequ
i
remen
t2
.
3
. The
f
to
rMa
l
ic
iousDamage whenthepeda
lcyc
lei
s
lo
c
ked
toanim
movab
leob
jec
t b
yanapp
rovedlock un
le
s
sthe
roved
ke
yandare
ce
ip
tfo
rthepu
r
cha
seo
ftheapp
lockdemon
s
t
ra
t
ingthe ma
keand mode
l
,o
rtherema
in
so
f
rovedlock a
rep
ro
v
ided
insuppo
r
to
fan
yc
la
im
.
theapp
4
. The
f
to
rMa
l
ic
iousDamage fo
l
low
ingabandonmen
t.
5
. The
f
to
rMa
l
ic
iousDamage b
yape
r
sono
rpe
r
son
stowhom
lcyc
lei
sen
t
ru
s
ted
.
thepeda
6
. The
f
to
rMa
l
ic
iousDamage whenloanedo
rh
i
redou
t
b
yyoutoan
ype
r
son
,o
the
rthana membe
ro
fyou
rfam
i
ly
7
. The
f
to
rMa
l
ic
iousDamage whenu
s
ingthepeda
lcyc
lefo
r
h
i
re
,rewa
rd
,cou
r
ie
rse
r
v
i
ce
so
rtheca
r
r
iageo
fpa
y
ing
pa
s
senge
r
s
.
8
. Une
xp
la
inedThe
f
to
rMa
l
ic
iousDamage.
9
. An
yaccesso
r
ies
,he
lme
tsand
/o
rc
lo
th
ing,un
le
ss
lcyc
lei
t
se
l
f
i
ss
to
leno
rdamageda
tthesamet
ime
thepeda
o
the
rthanawe
tsu
i
to
rhe
lme
twh
i
ch
i
ss
to
lenf
romthe
t
ran
s
i
t
iona
reao
fano
rgan
i
sedcompe
t
i
t
i
vet
r
ia
th
lone
ven
tin
wh
i
chyoua
repa
r
t
i
c
ipa
t
ing
.
10
. The
f
to
fpeda
lcyc
le whee
l
sando
rpowe
r me
te
rde
v
i
ce
s
un
le
sss
to
lena
tthesamet
imea
stheen
t
i
repeda
lcyc
le
.
11
. The
f
to
rMa
l
ic
iousDamage whenyou
rpeda
lcyc
lei
s
se
cu
redb
ya
lo
c
kwh
i
chi
son
l
yapp
ro
vedfo
ru
sew
i
tha
cy
c
lew
i
tha
lowe
rva
luethanyou
rpeda
lcyc
le
.
12
. Wh
i
l
s
tthepeda
lcyc
lei
su
sedo
the
rw
i
seina
c
co
rdan
cew
i
th
a
l
lapp
l
i
cab
lelo
ca
llaw
s
.
13
. P
ro
fe
s
s
iona
lo
rSem
iP
ro
fe
s
s
iona
la
th
le
te
sde
r
i
v
ingpa
r
to
ra
l
l
o
fthe
i
r
in
comef
roma
c
t
i
v
i
t
ie
sin
vo
l
v
ingtheu
seo
fapeda
l
xamp
le
so
fwh
i
chbu
tno
tl
im
i
tedtoC
y
c
l
i
s
t
,
cyc
le(e
T
r
ia
th
le
teo
rDua
th
le
te
)un
le
s
syou a
reinre
ce
ip
to
fw
r
i
t
te
n
con
sen
tf
romus.
3
. The
f
to
r Ma
l
ic
iousDamage whenf
romaveh
ic
le
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tisCove
red
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i
l
la
tou
rop
t
ion
,repa
i
rto
i
tsp
r
io
rle
ve
lo
ffun
c
t
iona
l
i
tyo
rrep
la
ce
,
an
ypa
r
t
,o
r
,
i
fbe
yonde
conom
i
crepa
i
r
,rep
la
cethedamagedpa
r
to
ra
l
l
lcyc
le w
i
ththesameo
ras
im
i
la
ra
r
t
i
c
leo
fl
i
kek
ind
,
o
fthepeda
fun
c
t
iona
l
i
tyandqua
l
i
tyuptothesum
in
su
redshownin
thes
chedu
lesub
je
c
ttotheva
lueo
fthepeda
lcy
c
le
.We ma
yu
se
spe
c
ia
l
i
s
tsupp
l
ie
r
sfo
rrepa
i
ro
rrep
la
cemen
tcho
senb
yu
s
.
Accesso
r
ies
,b
ikeboxes
,he
lme
tsandc
lo
th
ing a
reco
ve
redupto
thesuminsu
red a
sshownintheschedu
le andsub
je
c
ttotheva
lue
.
Wha
tisno
tCove
red
1
. Thef
i
r
s
t£100o
fe
ve
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yc
la
im
.
2
. The
f
to
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l
ic
iousDamage whenyouha
veno
tcomp
l
ied
w
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r
i
tyRequ
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.
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ce
s
stotheveh
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c
leha
sno
tbeen madeb
yfo
r
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andv
io
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ten
t
r
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4
. The
f
to
rMa
l
ic
iousDamage whenloanedo
rh
i
redou
t
b
yyoutoan
ype
r
son
,o
the
rthana membe
ro
fyou
rfam
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ly
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rance
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xp
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inedThe
f
to
rMa
l
ic
iousDamage.
The
f
to
rMa
l
ic
iousDamage whenthepeda
lcyc
lei
s
se
cu
redb
ya
lo
c
kwh
i
chi
son
l
yapp
ro
vedfo
ru
sew
i
tha
cy
c
lew
i
tha
lowe
rva
luethanthepeda
lcyc
le.
7
.
Wh
i
l
s
tthepeda
lcyc
lei
su
sedo
the
rw
i
seina
c
co
rdan
cew
i
th
a
l
lapp
l
i
cab
lelo
ca
llaw
s
.
8
. P
ro
fe
s
s
iona
lo
rSem
iP
ro
fe
s
s
iona
la
th
le
te
sde
r
i
v
ingpa
r
to
ra
l
l
o
fthe
i
r
in
comef
roma
c
t
i
v
i
t
ie
sin
vo
l
v
ingtheu
seo
fapeda
l
cyc
le(e
xamp
le
so
fwh
i
chbu
tno
tl
im
i
tedtoC
y
c
l
i
s
t
,T
r
ia
th
le
te
re
inre
ce
ip
to
fw
r
i
t
tencon
sen
t
o
rDua
th
le
te
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le
s
syou a
f
romus.
b
)
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iden
ta
ldamage
Wha
tisCove
red
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i
l
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rop
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io
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ve
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c
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iona
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i
tyo
rrep
la
ce
,
an
ypa
r
t
,o
r
,
i
fbe
yonde
conom
i
crepa
i
r
,rep
la
cethedamagedpa
r
to
ra
l
l
o
fthepeda
lcyc
le w
i
ththesameo
ras
im
i
la
ra
r
t
i
c
leo
fl
i
kek
ind
,
fun
c
t
iona
l
i
tyandqua
l
i
tyuptothesum
in
su
redshownin
thes
chedu
lesub
je
c
ttotheva
lueo
fthepeda
lcy
c
le
.We ma
yu
se
spe
c
ia
l
i
s
tsupp
l
ie
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Wha
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ta
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ind
i
re
c
t
l
yre
su
l
t
ingf
roms
t
re
s
s
,t
raumao
r
p
sy
ch
ia
t
r
i
ci
l
lne
s
s
6
. An
ybene
f
i
twhen you
rdea
th
,
in
ju
r
yo
r
lo
s
sdoe
sno
to
c
cu
r
w
i
th
in180da
y
so
fthea
c
c
iden
t
7
. An
ybene
f
i
twhenyoucanno
tp
ro
vetou
stha
tthepe
rmanen
t
to
ta
ld
i
sab
lemen
tha
scon
t
inuedfo
r12 mon
th
sf
romtheda
te
o
fthea
c
c
iden
tand
ina
l
lp
robab
i
l
i
tyw
i
l
lcon
t
inuefo
rthe
rema
inde
ro
fyou
r
l
i
fe
8
. Mo
rethanonebene
f
i
tunde
rth
i
sse
c
t
ion
9
.
Wh
i
l
s
tu
s
ingthepeda
lcyc
lefo
rh
i
re
,rewa
rd
,cou
r
ie
r
se
r
v
i
ce
s
,o
rtheca
r
r
iageo
fpa
y
ingpa
s
senge
r
s
10
. Wh
i
l
s
tthepeda
lcyc
lei
su
sedo
the
rw
i
seina
c
co
rdan
cew
i
th
a
l
lapp
l
i
cab
lelo
ca
llaw
s
11
.P
ro
fe
s
s
iona
lo
rSem
iP
ro
fe
s
s
iona
la
th
le
te
sde
r
i
v
ingpa
r
to
ra
l
l
o
fthe
i
r
in
comef
roma
c
t
i
v
i
t
ie
sin
vo
l
v
ingtheu
seo
fapeda
l
cyc
le(e
xamp
le
so
fwh
i
chbu
tno
tl
im
i
tedtoC
y
c
l
i
s
t
,T
r
ia
th
le
te
o
rDua
th
le
te
)un
le
s
syou a
re
inre
ce
ip
to
fw
r
i
t
tencon
sen
t
f
romus.
Sec
t
ion4
:Pub
l
icL
iab
i
l
i
ty
Wha
tisCove
red
We w
i
l
linre
spe
c
to
ftheamoun
tshownonthes
chedu
lewh
i
chyouand
an
y membe
ro
fyou
rfam
i
l
ybe
come
lega
l
l
y
l
iab
lefo
r
,pa
yfo
ra
c
c
iden
ta
l
bod
i
l
y
in
ju
r
y
,dea
th
,d
i
sea
seo
ra
c
c
iden
ta
ldamagetoan
ype
r
sono
r
a
c
c
iden
ta
ldamagetoth
i
rdpa
r
typ
rope
r
tywh
i
cha
r
i
se
sf
romyou
ru
seo
f
o
rowne
r
sh
ipo
fapeda
lcyc
le p
ro
v
id
ingyoua
reare
s
iden
to
f
theUn
i
tedK
ingdom
.
Theto
ta
lamoun
tpa
yab
lein
c
lude
srea
sonab
lede
fen
ceco
s
tsand
e
xpen
se
s
in
cu
r
redb
yyouw
i
thou
rw
r
i
t
tencon
sen
t
inconne
c
t
ionw
i
th
an
y
l
iab
i
l
i
ty
in
su
red
.
Wha
tisno
tCove
red
1
. An
y membe
ro
fyou
rfam
i
lyunde
rage16o
ro
ve
rage85
2
. L
iab
i
l
i
tya
r
i
s
ingf
romlo
s
so
rdamagetop
rope
r
tywh
i
ch
be
long
stoyou o
r
i
sinyou
r ca
recu
s
tod
yo
rcon
t
ro
l
3
.
Whe
reyou a
reen
t
i
t
ledto
indemn
i
tyf
romano
the
rsou
r
ce
4
.
Whenpun
i
t
i
ve
,e
xemp
la
r
yo
ragg
ra
va
teddamage
sa
re
awa
rdedaga
in
s
tyou
5
. An
y
l
iab
i
l
i
tyfo
rbod
i
lyin
ju
ry,
lo
sso
rdamage
a
) toyou
r emp
lo
yee
so
r membe
r
so
fyou
rfam
i
lyo
r
hou
seho
ldo
rtothe
i
rp
rope
r
ty
8
.
9
.
10
.
11
.
b
) a
r
i
s
ingou
to
ftheowne
r
sh
ip
,po
sse
s
s
ion
,u
seo
r
o
c
cupa
t
iono
f
lando
rbu
i
ld
ing
s
c
) a
r
i
s
ingou
to
ftheowne
r
sh
ip
,po
s
se
ss
iono
ru
seo
f
mo
to
r
i
sedveh
i
c
le
s
,ya
ch
t
so
r mo
to
r
i
sedwa
te
rbo
rne
c
ra
f
t
,a
i
rbo
rnec
ra
f
to
fan
yde
sc
r
ip
t
ion
,an
ima
l
so
r
f
i
rea
rmsandweapon
s
Whenu
s
ingthepeda
lcyc
lefo
rh
i
re
,rewa
rd
,cou
r
ie
r
se
r
v
i
ce
s
,o
rtheca
r
r
iageo
fpa
y
ingpa
s
senge
r
s
An
yonebe
ingca
r
r
iedno
t
incon
t
ro
lo
fs
tee
r
ingthepeda
l
cyc
le
An
y
l
iab
i
l
i
tyno
t
in
vo
l
v
ingtheu
seo
fapeda
lcyc
le
An
y
l
iab
i
l
i
tya
r
i
s
ingou
to
ftheu
seo
fapeda
lcyc
le ou
t
s
ide
r
r
i
to
r
ia
ll
im
i
ts
thete
Wh
i
l
s
tthepeda
lcyc
lei
su
sedo
the
rw
i
seina
c
co
rdan
cew
i
th
a
l
lapp
l
i
cab
lelo
ca
llaw
s
P
ro
fe
s
s
iona
lo
rSem
iP
ro
fe
s
s
iona
la
th
le
te
sde
r
i
v
ingpa
r
to
ra
l
l
o
fthe
i
r
in
comef
roma
c
t
i
v
i
t
ie
sin
vo
l
v
ingtheu
seo
fapeda
l
xamp
le
so
fwh
i
chbu
tno
tl
im
i
tedtoC
y
c
l
i
s
t
,T
r
ia
th
le
te
cyc
le(e
o
rDua
th
le
te
)un
le
s
syou a
re
inre
ce
ip
to
fw
r
i
t
tencon
sen
t
f
romus.
Sec
t
ion5
:Roads
ide
Ass
is
tance&Recove
ry
Wha
tisCove
red
We w
i
l
lsendhe
lpi
fyou a
reunab
letocomp
le
te
lcyc
le po
r
t
iono
fyou
rjou
rne
ya
sare
su
l
to
fanacc
iden
t,
thepeda
vanda
l
i
sm
,o
ran
i
r
repa
rab
leb
rea
kdowntoyou
rpeda
lcyc
le(
in
c
lud
ing
pun
c
tu
re
s
)w
i
th
intheUn
i
tedK
ingdom.We w
i
l
la
r
rangeandpa
y
fo
ryou,an
ypa
s
senge
r
s
,andyou
rpeda
lcyc
le(
i
fapp
rop
r
ia
te
)tobe
rd
i
s
c
re
t
ionto
:
t
ran
spo
r
teda
tou
1
. Thenea
re
s
tsu
i
tab
lecy
c
lerepa
i
rshopo
r
2
. Thenea
re
s
tapp
rop
r
ia
tera
i
lwa
ys
ta
t
iono
r
3
. Thenea
re
s
tca
rren
ta
lagen
cyo
r
4
. Thenea
re
s
to
ve
rn
igh
ta
ccommoda
t
iono
r
5
. TheIn
su
redLo
ca
t
ion
,
i
fc
lo
se
r
Wha
tisno
tCove
red
1
. An
y
in
c
iden
tw
i
th
ina m
i
le
,b
ypub
l
i
ch
ighwa
yf
rom
theIn
su
redLo
ca
t
ion
.
2
. An
y
in
c
iden
twhe
rethepeda
lcyc
lei
sbe
ingu
sedfo
rau
se
no
tspe
c
i
f
ied
inthede
s
ignand manu
fa
c
tu
re
r
sspe
c
i
f
i
ca
t
ion
s
,
o
ra
r
i
s
ingd
i
re
c
t
l
you
to
ftheun
rea
sonab
leu
seo
fthepeda
l
cyc
le onun
su
i
tab
lete
r
ra
in
.
3
. There
co
ve
r
yo
fyou andyou
rpeda
lcyc
lei
frepa
i
r
scanbe
ca
r
r
iedou
ta
to
rnea
rthes
ceneo
fthein
c
iden
tw
i
th
inthe
samewo
r
k
ingda
y
.
4
. In
c
iden
t
swhe
rethepeda
lcyc
lei
sno
ta
c
ce
s
s
ib
leo
rcanno
t
bet
ran
spo
r
tedsa
fe
l
y
,
lega
l
l
yandw
i
thou
th
ind
ran
ceu
s
inga
s
tanda
rdt
ran
spo
r
te
ro
rt
ra
i
le
r
,
in
c
lud
ingimme
r
s
ion
in mud
,
sand
,snowo
rwa
te
r
.
5
. An
ydamagetoyou
rpeda
lcyc
le o
r
i
t
scon
ten
tswh
i
l
s
tbe
ing
re
co
ve
red
,s
to
redo
rrepa
i
redandan
y
l
iab
i
l
i
tya
r
i
s
ingf
rom
an
ya
c
tpe
r
fo
rmed
inthee
xe
cu
t
iono
fthea
s
s
i
s
tan
ce
se
r
v
i
ce
sp
ro
v
ided
.We w
i
l
lno
tpa
yfo
ran
y
lo
s
se
stha
ta
reno
t
d
i
re
c
t
l
yco
ve
redb
ythete
rm
sandcond
i
t
ion
so
fth
i
spo
l
i
cy
.
Fo
re
xamp
le
,we w
i
l
lno
tpa
yfo
ryoutoco
l
le
c
tyou
rpeda
l
cyc
lef
romarepa
i
re
ro
rfo
ran
yt
imetha
tha
stobeta
keno
f
f
wo
r
kbe
cau
seo
fanIn
su
redIn
c
iden
t
.
6
. Ca
l
lou
tcha
rge
sthepo
l
i
ce ma
ycha
rge
.
7
. Fe
r
r
yandto
l
lcha
rge
s
.
8
. theco
s
to
fpa
r
ts
,componen
t
s
,lub
r
i
can
tso
r ma
te
r
ia
l
s
,food
,
d
r
in
ks
,te
lephoneca
l
l
s
,o
ro
the
r
in
c
iden
ta
le
xpen
se
s
.
9
. An
yco
s
t
so
the
rthanre
co
ve
r
ytooneo
fthede
s
t
ina
t
ion
s
de
ta
i
ledabo
ve
.
10
. Thecha
rge
so
fan
ycompan
yo
rpe
r
sono
the
rthan
therecove
ryope
ra
to
rca
l
ledou
tb
yus.
11
.E
xpen
se
sin
cu
r
redwhe
reou
r Con
t
ro
lCen
t
reha
sno
tbeen
no
t
i
f
iedp
romp
t
l
yo
faroads
ideass
is
tanceandrecove
ry
Inc
iden
t
.
12
. Add
i
t
iona
lcha
rge
sre
la
t
ingtoaro
ads
ideass
is
tanceand
recove
ryInc
iden
t whe
rere
le
van
tpa
ymen
t
sha
veno
tbeen
se
t
t
ledp
romp
t
l
yb
yyou be
fo
rereque
s
t
ingre
imbu
r
semen
t
.
13
. An
ycha
rge
sa
r
i
s
ingf
romyou
rfa
i
lu
retocomp
l
yw
i
ththe
reque
s
tso
fus o
rtherecove
ryope
ra
to
rcon
ce
rn
ingthe
a
s
s
i
s
tan
cebe
ingp
ro
v
idedtoyou.
14
. Damagetoty
re
sb
yroadpun
c
tu
re
scapab
leo
fbe
ing
repa
i
redb
ycy
c
leeme
rgen
cyk
i
ta
va
i
lab
letoyou a
tthet
ime
o
fthein
c
iden
t
.
15
. Mo
rethanth
reec
la
ims
inan
yone Pe
r
iodo
fInsu
rance
Ye
l
lowJe
rseyCyc
leInsu
rance
isat
rad
ings
ty
leo
fTheP
lan G
roupL
im
i
tedreg
is
te
red
inEng
landand Wa
les
,Companynumbe
r4108942
,
Reg
is
te
red O
f
f
ice O
r
ionHouse
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r
igh
tonRoad
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r
ley
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r
rey
,CR82BH
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roupL
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i
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r
isedandregu
la
tedbytheF
inanc
ia
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tAu
tho
r
i
ty
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B
icyc
leInsu
rancePo
l
icy Wo
rd
ing
16
.C
la
im
sto
ta
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l
ing mo
rethan£1
,500inan
yonePe
r
iodo
f
Insu
rance
17
. Whenu
s
ingthepeda
lcyc
lefo
rh
i
re
,rewa
rd
,cou
r
ie
r
se
r
v
i
ce
so
rtheca
r
r
iageo
fpa
y
ingpa
ssenge
r
s
.
18
. Wh
i
l
s
tthepeda
lcyc
lei
sbe
ingu
sedou
t
s
ideo
ftheUn
i
ted
K
ingdom
19
. Wh
i
l
s
tthepeda
lcyc
lei
su
sedo
the
rw
i
seina
c
co
rdan
cew
i
th
a
l
lapp
l
i
cab
lelo
ca
llaw
s
.
20
.P
ro
fe
s
s
iona
lo
rSem
iP
ro
fe
s
s
iona
la
th
le
te
sde
r
i
v
ingpa
r
to
ra
l
l
l
o
fthe
i
r
in
comef
roma
c
t
i
v
i
t
ie
sin
vo
l
v
ingtheu
seo
fapeda
cyc
le(e
xamp
le
so
fwh
i
chbu
tno
tl
im
i
tedtoC
y
c
l
i
s
t
,
T
r
ia
th
le
teo
rDua
th
le
te
)un
le
s
syou a
reinre
ce
ip
to
fw
r
i
t
ten
con
sen
tf
romus.
Sec
t
ion6
:RaceFee
Cance
l
la
t
ionCove
r
Wha
tisCove
red
Fo
rannua
lb
i
cy
c
le
in
su
ran
cepo
l
i
c
ie
son
l
y
,We w
i
l
lpa
ythenon
re
fundab
lera
cefeeco
s
t
,
le
ssan
yre
fund
s
,fo
ronee
ven
tpe
rpe
r
iodo
f
insu
ranceuptothe
l
im
i
tsspe
c
i
f
ied
inyou
rschedu
leto
p
ro
te
c
tyou aga
in
s
ts
i
tua
t
ion
so
r
lo
s
se
stha
tre
su
l
tf
romsuddenand
une
xpe
c
tede
ven
tsa
sou
t
l
inedbe
low
:
1
. An
yse
r
iou
sIn
ju
r
yo
ran
yun
fo
re
seense
r
iou
sI
l
lne
s
s
o
c
cu
r
r
ingtoyou wh
i
chre
su
l
ts
inyou be
ingunab
letoa
t
tend
ane
ven
tfo
rwh
i
chyou ha
veen
te
red
.You mu
s
tbe
e
xam
inedb
yaPh
y
s
i
c
ianw
i
th
in72hou
r
so
fthecan
ce
l
la
t
ion
ttoa
t
tendthee
ven
t
.
andthePh
y
s
i
c
ian mu
s
tad
v
i
seyou no
2
. An
yse
r
iou
sIn
ju
r
yo
ran
yun
fo
re
seense
r
iou
sI
l
lne
s
s
o
c
cu
r
r
ingtoa membe
ro
fyou
rFam
i
ly wh
i
ch
requ
i
re
syoutop
ro
v
idep
r
ima
r
yca
retotha
t
rfam
i
ly Membe
r mu
s
tbee
xam
inedb
ya
pe
r
son
.You
Ph
y
s
i
c
ianw
i
th
in72hou
r
so
fthecan
ce
l
la
t
ion
.
3
. An
yse
r
iou
sIn
ju
r
yo
ran
yun
fo
re
seense
r
iou
sI
l
lne
s
s
rfam
i
ly membe
rtha
t
i
scon
s
ide
red
l
i
fe
o
c
cu
r
r
ingtoyou
th
rea
ten
ingo
rrequ
i
r
ingho
sp
i
ta
l
i
sa
t
ion
.You
r
r mu
s
tbee
xam
inedb
yaPh
y
s
i
c
ianw
i
th
in72
fam
i
ly membe
hou
r
so
fthecan
ce
l
la
t
ion
.
4
. You
r dea
th
.
5
. Thedea
tho
fafam
i
ly membe
rono
rw
i
th
inth
i
r
ty(30
)da
y
s
p
r
io
rtothee
ven
tda
te
.
6
. You
r be
ingrequ
i
redtose
r
veona
ju
r
yo
rse
r
vedw
i
thacou
r
t
r appea
ran
ce
incou
r
tontheda
yo
f
o
rde
rwh
i
chrequ
i
re
syou
thee
ven
t
,andwh
i
chp
re
ven
t
syouf
roma
t
tend
ingthee
ven
t
.
7
. You
r homebe
ing madeun
inhab
i
tab
leb
yf
i
re
,f
lood
,bu
rg
la
r
y
,
vanda
l
i
sm
,o
rna
tu
ra
ld
i
sa
s
te
r
s
.
8
. You a
red
i
re
c
t
l
y
in
vo
l
ved
inat
ra
f
f
i
cacc
iden
t ontheda
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thee
ven
ttha
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i
the
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ytoyou;o
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te
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teneed
fo
rrepa
i
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su
rethesa
feope
ra
t
iono
ftheveh
i
c
le
.
9
. You be
ingonA
c
t
i
ve M
i
l
i
ta
r
yDu
tyha
v
ingpe
r
sona
llea
ve
re
vo
ked
,e
x
cep
tfo
rd
i
s
c
ip
l
ina
r
yrea
son
s
.
10
. You,a
f
te
rha
v
ingbeenw
i
ththesameemp
lo
ye
rfo
ra
tlea
s
t
th
reecon
t
inuou
syea
r
s
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rete
rm
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tedo
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ido
f
f
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roughno
fau
l
to
fyou
r own
,a
f
te
ryou
re
f
fe
c
t
i
veda
teo
fco
ve
rage
.
11
. Youo
ryou
r spou
sea
rere
lo
ca
tedb
yyou
ro
ryou
r spou
se
'
s
cu
r
ren
temp
lo
ye
rtoa
lo
ca
t
iontha
t
i
sa
tlea
s
t100 m
i
le
s
f
romyou
rp
r
ima
r
yre
s
iden
ce
.
12
. You no
ta
r
r
i
v
inga
tthevenueduetoade
la
yb
y
theCommonCa
r
r
ie
ru
sedfo
rt
ran
spo
r
ta
t
ion
.
13
. You
r au
tomob
i
leha
v
inga Me
chan
i
ca
lB
rea
kdownw
i
th
in24
hou
r
so
fthee
ven
twh
i
chre
su
l
t
s
intheveh
i
c
lebe
ingunab
le
tobed
r
i
ventothee
ven
t
.
14
. You
rp
la
ceo
fwo
r
ki
s madeun
su
i
tab
lefo
rbu
s
ine
ssb
yf
i
re
,
bu
rg
la
r
y
,vanda
l
i
smo
rna
tu
ra
ld
i
sa
s
te
r
sw
i
th
in48hou
r
sp
r
io
r
tothee
ven
t
.
Wha
tisno
tcove
red
1
. P
re
-E
x
i
s
t
ingCond
i
t
ion
s
;
2
. In
ten
t
iona
l
l
yse
l
f
in
f
l
i
c
tedha
rm
,su
i
c
ideo
ra
t
temp
tedsu
i
c
ide
b
yyou;
3
. No
rma
lp
regnan
cy
,fe
r
t
i
l
i
tyt
rea
tmen
t
s
,Ch
i
ldb
i
r
tho
re
le
c
t
i
ve
abo
r
t
ion
,o
the
rthanun
fo
re
seencomp
l
i
ca
t
ion
so
fp
regnan
cy
ryou
rfam
i
ly membe
r
;
o
fyouo
4
. Men
ta
lo
rne
r
vou
shea
l
thd
i
so
rde
r
s
,
in
c
lud
ingbu
tno
t
l
im
i
ted
to
:an
x
ie
ty
,dep
re
s
s
ion
,neu
ro
s
i
so
rp
sy
chos
i
s
;o
rph
y
s
i
ca
l
comp
l
i
ca
t
ion
sre
la
tedthe
re
to
o
fyouo
ryou
rfam
i
ly membe
r
;
5
. A
l
coho
lo
rsub
s
tan
ceabu
se
;o
rcond
i
t
ion
so
rph
y
s
i
ca
l
comp
l
i
ca
t
ion
sre
la
tedthe
re
too
fyouo
ryou
rfam
i
ly membe
r
6
. An
yun
law
fu
la
c
t
scomm
i
t
ted
b
yyouo
ryou
rfam
i
lymembe
r
s
,whe
the
rthe
ya
re
in
su
red
o
rno
t
;
7
. You a
) ma
k
ingchange
stope
r
sona
lp
lan
so
rb
)ha
v
inga
bu
s
ine
sso
rcon
t
ra
c
tua
lob
l
iga
t
ion
;
8
. Thee
ven
tbe
ingcan
ce
l
ledo
rde
la
yedb
ythevenueo
r
p
romo
te
rfo
ran
yrea
son(
in
c
lud
ingbadwea
the
r
)un
le
s
sa
s
co
ve
redhe
re
in
;
9
. P
roh
ib
i
t
iono
rregu
la
t
ionb
yan
ygo
ve
rnmen
t
;
10
. Lo
s
to
rs
to
lent
i
c
ke
ts
11
. An
ye
xpe
c
tedo
rfo
re
seeab
lee
ven
t
s
.
12
.I
fyou g
i
ve
in
co
r
re
c
tda
tao
rfa
c
t
s
13
.I
fthe
lo
s
si
sno
tsubm
i
t
tedtous w
i
th
in30da
y
sf
romtheda
te
o
f
lo
ss
,e
x
cep
ta
so
the
rw
i
sep
roh
ib
i
tedb
y
law
.
14
. Lo
s
se
sa
r
i
s
ingf
roman
ycy
c
le
in
su
ran
cepo
l
i
cywh
i
chwa
s
pu
r
cha
sedfo
rapo
l
i
cyte
rmo
fle
s
sthan365da
y
s
.
Gene
ra
lExc
lus
ions(app
l
icab
le
toa
l
lsec
t
ions
)
Thefo
l
low
ingcond
i
t
ion
sapp
l
ytothewho
leo
fth
i
spo
l
i
cy
.An
yo
the
r
cond
i
t
ion
sa
reshowninthese
c
t
iontowh
i
chthe
yapp
l
y
.
Th
i
sce
r
t
i
f
i
ca
teo
fin
su
ran
cedoe
sno
tp
ro
v
ideco
ve
rfo
ran
ya
cc
iden
ta
l
damageo
rthe
f
to
ran
ye
xpen
se
so
flega
l
l
iab
i
l
i
tyo
fwha
tsoe
ve
rna
tu
re
,
d
i
re
c
t
l
yo
r
ind
i
re
c
t
l
ycau
sed
,con
t
r
ibu
tedtob
yo
rhappen
ingthougho
r
inthecon
sequen
ceo
f
:
1
. An
ya
c
to
ff
raudo
rd
i
shone
s
tyb
yyou o
ran
yonea
c
t
ing
l
f
.
onyou
rbeha
2
.
Wa
r
,
in
va
s
ion
,te
r
ro
r
ism
,a
c
t
so
ffo
re
ignenem
ie
s
,ho
s
t
i
l
i
t
ie
s
(whe
the
ro
rno
twa
rha
sbeende
c
la
red
)
,c
i
v
i
lwa
r
,rebe
l
l
ion
,
re
vo
lu
t
ion
,in
su
r
re
c
t
ion
,m
i
l
i
ta
r
yo
ru
su
rpedpowe
r
.
3
. Ion
i
s
ingrad
ia
t
iono
rcon
tam
ina
t
ionb
yrad
ioa
c
t
i
v
i
tyf
roman
y
nu
c
lea
rfue
l
,o
rf
roman
ynu
c
lea
rwas
tef
rombu
rn
ingnu
c
lea
r
fue
l
.
4
. Rad
ioa
c
t
i
ve
,to
x
i
c
,e
xp
lo
s
i
veo
ro
the
rha
za
rdou
sp
rope
r
t
ie
s
o
fan
ye
xp
lo
s
i
venu
c
lea
ra
s
semb
l
yo
rnu
c
lea
rcomponen
t
the
reo
f
.
5
. P
re
ssu
rewa
ve
sf
roma
i
r
c
ra
f
to
ro
the
rae
r
ia
lde
v
i
ce
s
t
ra
ve
l
l
inga
tsupe
r
son
i
cspeed
s
.
6
. Su
i
c
ide
,a
t
temp
tedsu
i
c
ideo
rde
l
ibe
ra
te
in
ju
r
ytoyou
r
se
l
fo
r
pu
t
t
ingyou
r
se
l
f
inunne
ce
s
sa
r
ydange
r(un
le
s
st
r
y
ingto
sa
vehuman
l
i
fe
)
.
7
. So
l
ven
tu
se
,be
ingunde
rthe
in
f
luen
ceo
fd
rug
so
ra
l
coho
l
,
e
x
cep
ttho
sep
re
sc
r
ibedb
yareg
i
s
te
reddo
c
to
r
,o
rd
rug
s
wh
i
chha
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re
s
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r
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i
s
te
reddo
c
to
randno
t
tho
sep
re
s
c
r
ibedfo
rd
rugadd
i
c
t
ion
.
8
. Engag
ing
inan
yc
r
im
ina
la
c
t
.
9
. An
yc
la
imwhe
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idenceo
fowne
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p
ro
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rthePeda
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tu
ra
ld
i
sa
s
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s
11
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inan
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lDe
fau
l
t
;
12
. Ep
idem
i
co
rPandem
i
c
;
13
. Po
l
lu
t
iono
rth
rea
to
fpo
l
lu
tan
tre
lea
se
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