[et_pb_section fb_built=”1″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_row _builder_version=”4.9.10″ _module_preset=”default” background_image=”https:\/\/natexfsp.co.za\/wp-content\/uploads\/2021\/08\/pexels-noel-mcshane-1036148-scaled-e1628669785825.jpg” min_height=”166px” custom_margin=”-59px|auto||auto||”][et_pb_column type=”4_4″ _builder_version=”4.9.10″ _module_preset=”default”][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” text_font=”Arial||||||||” text_font_size=”16px” custom_margin=”-25px|||||” custom_padding=”0px|||||”]<\/p>\n
Why would it be necessary to insure a vehicle, like a tractor or bakkie, which is exclusively used on the farm and never on public roads for Third party liability? Normally a vehicle is insured for third party liability to ensure in the event of an accident that at least the other party damages are covered. So why would you need this type of cover for a tractor, bakkie, quad bike or any other vehicle that is exclusively used on the farm? The short answer, in case of a fire caused by the vehicle.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.9.10″ _module_preset=”default” custom_margin=”-13px|auto||auto||”][et_pb_column type=”1_2″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” text_font=”Arial||||||||” text_font_size=”16px” custom_margin=”-27px|||||”]<\/p>\n
Wait a second, what about my Public Liability cover? Firstly, let us quickly look at what exactly is Liability insurance. Liability insurance events can be defined as: Events leading to or causing damages which the Insured shall become legally liable to pay consequent upon Injury or Damage occurring in the course of or in connection with the Business within the Territorial Limits during the Period of Insurance<\/em><\/strong>. So in the event of damage being caused to the property of another person, the Liability could pay for the claim, if you are found to be legally liable for said damages. But under the liability section of the policy vehicles are a specific exclusion:<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_image src=”https:\/\/natexfsp.co.za\/wp-content\/uploads\/2021\/08\/farm-on-fire-768×403-1.jpg” title_text=”farm-on-fire-768×403″ _builder_version=”4.9.10″ _module_preset=”default” width=”100%” min_height=”192px” custom_margin=”9px|||||”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” text_font=”Arial|700|||||||” text_font_size=”20px” text_orientation=”center” custom_margin=”-44px|||||”]<\/p>\n \u201c\u2026caused by or through or in connection with the ownership, possession or use by or on behalf of the Insured of any mechanically propelled vehicle (other than a pedal cycle or lawnmower or any pedestrian controlled garden equipment) or trailer or of any watercraft (other than non-motorized watercraft not exceeding 6 meters in length and used only on inland waterways), locomotive or rolling stock, provided that this exclusion shall not relieve the Company of liability to indemnify the Insured in respect of liability consequent upon Injury or Damage caused or arising beyond the limits of any carriage-way or thorough fare in connection with the loading or unloading of any vehicle, insofar as such Injury or damage is not insured by any other insurance policy..\u201d<\/em><\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”1_2″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_image src=”https:\/\/natexfsp.co.za\/wp-content\/uploads\/2021\/08\/fa859ea816e89e5b0cae9dd89f517e50.webp” title_text=”fa859ea816e89e5b0cae9dd89f517e50″ _builder_version=”4.9.10″ _module_preset=”default” min_height=”333.4px” custom_padding=”||3px|||”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” text_font=”Arial||||||||” text_font_size=”16px” width=”109.7%” custom_margin=”|-32px||||”]<\/p>\n Plainly stated, if a vehicle causes damage to some else\u2019s property, even if you are found to be legally liable, you will not have cover under this section.<\/p>\n For example, in the event of a fire being caused due to a vehicle, for instance where an exhaust system ignites the grass. The fire then spreads to the neighboring farm and burns down a barn.<\/p>\n So how can you get cover for such an event?<\/p>\n Insurance on the vehicle itself. But you don\u2019t have to insure it comprehensively, unless you really want to. Remember, we are talking about vehicles and implements that are exclusively used on the farm and are never driven or used on public roads. You only need Third Party Insurance<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” text_font=”Arial||||||||” text_font_size=”16px” min_height=”164px” custom_margin=”-36px|||||”]<\/p>\n Third party insurance is cheap and can give you cover against claims that could potentially cost you millions of Rands. The cover will come into play when an event occurs where a fire is caused by the exhaust system of the vehicle or where implements are being used that overheat and ignite. Even in the occurrence where metal implements are used that strike hard surfaces causing sparks that ignites a fire. These implements must however be attached to the insured vehicle. All self-driven vehicles or implements must be insured to enjoy this cover. Other, non-self-driven, vehicles\/implements will enjoy cover when attached to the insured self-driven vehicle\/implement.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.9.10″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.10″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” text_font=”Arial||||||||” text_font_size=”16px”]<\/p>\n For more information, please feel free to contact us by phone or email. If you prefer, you could simply complete the contact, by clicking on the “Get A Quote” button and we will contact you.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”GET A QUOTE” _builder_version=”4.6.1″ background_color=”#263142″ use_background_color_gradient=”on” background_color_gradient_start=”#041444″ background_color_gradient_end=”#215f9e” background_enable_image=”off” background_size=”initial” min_height=”13px” custom_margin=”||2px|||” custom_padding=”0px|||||” locked=”off”][et_pb_row _builder_version=”4.9.7″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_text _builder_version=”4.9.7″ _module_preset=”default” text_text_color=”#FFFFFF” header_text_color=”#FFFFFF” custom_margin=”-4px||-39px|||” custom_padding=”0px||1px|||” text_text_shadow_style=”preset1″ text_text_shadow_color=”#000000″]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/natexfsp.co.za\/?page_id=266&preview=true” button_text=”GET A QUOTE” button_alignment=”right” _builder_version=”4.9.10″ _module_preset=”default” custom_button=”on” button_text_size=”40px” button_text_color=”#FFFFFF” button_bg_color=”#1b60c6″ button_border_width=”5px” button_font=”||||||||” positioning=”fixed” position_origin_f=”bottom_right” vertical_offset=”25px” horizontal_offset=”0px” z_index=”0″ vertical_offset_tablet=”” vertical_offset_phone=”25px” vertical_offset_last_edited=”on|phone” position_origin_a_tablet=”” position_origin_a_phone=”” position_origin_a_last_edited=”on|desktop” position_origin_f_tablet=”center_center” position_origin_f_phone=”bottom_center” position_origin_f_last_edited=”on|phone” position_origin_r_tablet=”” position_origin_r_phone=”bottom_left” position_origin_r_last_edited=”on|desktop” button_text_size_tablet=”” button_text_size_phone=”20px” button_text_size_last_edited=”on|phone” positioning_tablet=”” positioning_phone=”fixed” positioning_last_edited=”on|phone” box_shadow_style=”preset1″ box_shadow_color=”#000000″ saved_tabs=”all”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Why would it be necessary to insure a vehicle, like a tractor or bakkie, which is exclusively used on the farm and never on public roads for Third party liability? Normally a vehicle is insured for third party liability to ensure in the event of an accident that at least the other party damages are […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-547","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/posts\/547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/comments?post=547"}],"version-history":[{"count":9,"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/posts\/547\/revisions"}],"predecessor-version":[{"id":684,"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/posts\/547\/revisions\/684"}],"wp:attachment":[{"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/media?parent=547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/categories?post=547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/natexfsp.co.za\/index.php\/wp-json\/wp\/v2\/tags?post=547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Natex Makelaars (Pty)LTD is a registered Financial Services Provider \u2013 FSP 51593<\/span><\/h2>\n