AUTOMOBILE CIVIL LIABILITY GUARANTEE

AUTOMOBILE CIVIL LIABILITY GUARANTEE 

1 - Purpose and scope of the warranty
Article 1: Definitions
We hear by :
1. Subscriber: the legal or natural person, so named in the Special Conditions of the contract.
2. Insured: the policyholder, the owner of the insured vehicle and any person having, with the authorisation of one or the other, the custody or the driving of the insured vehicle, except garage owners and persons usually engaged in the brokerage, sale, repair, breakdown service or control of the proper functioning of motor vehicles, as well as their agents, about the cars entrusted to them because of their function.
3. Insured vehicle: the land motor vehicle not linked to a railway, designated in the Special Conditions and, if applicable, its trailers or semi-trailers also designated in the Special Conditions.
4. Person transported free of charge: any passenger transported without remuneration, even if it is carried by the insured to find an everyday affair, or if without paying the transport fee proper, he participates in the costs of road.
Article 2: Purpose of the warranty
Subject to the insurance exclusions stipulated in articles 4, 6 and 7 below as well as the guarantee limitations provided for in section 8 below, the insurance and reinsurance undertaking, from now on referred to as insurers, guarantees the Civil Liability of the insured person for bodily injury or material damage, to the person or property of third parties, resulting from accidents, fires or explosions caused by the insured vehicle or originating from machinery, accessories and products used when using it, the objects and substances it carries as well as the fall of these devices, accessories, products, artefacts or materials.
The guarantee applies to accidents caused by the insured vehicle: a) either that it occasionally tows a broken-down car: b) or that it is itself towed by another vehicle.
If the insured vehicle is a recovery vehicle, the guarantee applies when it tows or transports other vehicles and during recovery operations by said vehicle. The warranty covers the financial consequences of Civil Liability which may be incurred due to an accident caused by the opening of a door by any person to take a seat in the insured vehicle or having taken place in said vehicle.