Created
August 21, 2025 04:23
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| { | |
| "document_id": "doc_ec646730", | |
| "extractions": [ | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "The insurance cover provided to You under this Policy is based on the information You have provided to Us.", | |
| "plain_english": "This policy is only valid if you honestly and completely tell us all the facts about your vehicle and driving history. If you don't, you may not be able to make a claim." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "driving is not disqualified by order of a Court of Law or by reason of any enactment or regulation in that behalf", | |
| "plain_english": "If you're driving and have a court order, or are breaking a law, that prevents you from driving, this policy won't cover any accidents that happen." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "permission to drive has not been withdrawn by the Policyholder", | |
| "plain_english": "If you're driving and the Policyholder has told you not to drive their vehicle, this policy won't cover accidents." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "any member of the Policyholder's family or a paid driver who have been driving any vehicle described in the Schedule during the life of the Policyholder and permission to drive has not been withdrawn prior to the death of the Policyholder.", | |
| "plain_english": "If someone driving the vehicle is a family member or paid driver, and the Policyholder has not withdrawn permission to drive, this policy won't cover accidents." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "any other person who has been given permission to drive any vehicle described in the Schedule prior to the death of the Policyholder and such permission has not been withdrawn by the Policyholder.", | |
| "plain_english": "If someone has been given permission to drive the vehicle before the Policyholder withdrew it, this policy won't cover accidents." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "Geographical Area - That part of Thailand within 80 kilometres of the border between Thailand and West Malaysia", | |
| "plain_english": "This policy does not cover damage occurring within 80 kilometers of the border between Thailand and West Malaysia." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "Geographical Area - Transit by direct sea route across: the straits between the island of Penang and the mainland of West Malaysia", | |
| "plain_english": "Damage occurring during transit via the specific sea routes between Penang and West Malaysia is not covered." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "Geographical Area - the straits between Changi Point, Singapore and Tanjong Belungkor, Johore", | |
| "plain_english": "Damage occurring during transit via the specific sea routes between Changi Point and Tanjong Belungkor is not covered." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "Legislation - The reference of Legislation under the heading \"Avoidance of Certain Terms and Right of Recovery\" is limited to Sections 94, 95, 96 of the Road Transport Act 1987 (Malaysia) and Sections 7, 8 and 9 of the Motor Vehicles (Third Party Risks & Compensation) Act (Republic of Singapore).", | |
| "plain_english": "The policy's legal framework is limited to the specified sections of the Road Transport Act and Motor Vehicles Act. Other legal interpretations may not apply." | |
| }, | |
| { | |
| "extraction_class": "exclusion", | |
| "extraction_text": "extension of the damage or any further damage to the Insured Vehicle shall be excluded from the scope of the indemnity granted by this Policy.", | |
| "plain_english": "If you drive the vehicle before repairs are made, any additional damage caused will not be covered by this insurance. Essentially, if you continue to use the vehicle after an accident until it's fixed, any resulting damage isn't covered." | |
| } | |
| ] | |
| } |
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