This is a simplified English version of the insurance information document. Please refer to the
versions in local language which are the prevailing and legally valid documents per country.

General Third Party Liability Insurance for the time of
use of a Dott/Tier Unit

Insurance Product Information Document (IPID)
Company: AWP P&C S.A.

Registered in France under R.C.S. Bobigny with no. 519 490 080. Registered office in Saint-Ouen (France).

Registered in the Netherlands with No° 33094603. Registered office Poeldijkstraat 4, Amsterdam, 1059 VM (Netherlands).

Signed by: AWP P&C S.A., Dutch Branch

Product: General Third Party Liability Insurance (01.07.2025 – 30.06.2026)

This Insurance Product Information Document (IPID) provides a summary of key information about the General Third-Party Liability Insurance policy (“Policy"), and is therefore not complete. Full information about the Policy is provided in the documents relating to the insurance contract. The terms used in this summary shall have the same meaning as in the Insurance Terms and Conditions. For easier reading, they are formatted with capital letters. In addition to this IPID, we have also enclosed a copy of the Insurance Terms and Conditions and Allianz’ Privacy Notice. Please read all documents so that you are fully informed.

What is this type of Insurance?

The Policy is a General Third-Party Liability Insurance Policy for individuals who: (A) rent a Dott/Tier Unit through the Dott/Tier Application; or (B) use a Dott/Tier Unit with the explicit consent of a registered user of the Dott/Tier Application (both are referred to here as Beneficiaries or Beneficiary). Insurance cover under this Policy is only provided if no statutory motor third party liability insurance for the respective Dott/Tier Unit in Beneficiary’s country exists. The Policy also provides cover for the Local Policyholder.

What is insured?

The General Third Party Liability Insurance Policy provides indemnity for sums a Beneficiary may become legally liable to pay for:

✓ Damages arising directly from an Accident caused by the Beneficiary
✓ Legal Costs arising directly from an Accident (our prior written consent is required)

Who is insured?

✓ An individual who is registered to the Dott/Tier Application and rents a Dott/Tier Unit for personal transportation purposes.
✓ An individual who uses a Dott/Tier Unit with the explicit consent of a user registered to the Dott/Tier Application.

What is not insured?

✘ Incidents arising from the Unauthorised Use of a Dott/Tier Unit including improper use of a Customer’s log-in credentials or Commercial Use of the Dott/Tier Unit
✘ Damage to Property (including vehicles):
(i) owned or rented by a Beneficiary.
(ii) loaned or rented to a Beneficiary; and/or
(iii) in the care, custody, or control of a Beneficiary
✘ Damage to Property of, or Bodily Injury to, Passengers carried by you on the Dott/Tier Unit
✘ Damages caused when riding a Dott/Tier Unit in connection with passengers or animals
✘ Claims caused by wilful or malicious acts

In all cases, the individual user must be of the minimum age required by local laws or regulations to ride the Dott/Tier Unit in that Territory but is at least of the legal age of majority in the respective Territory.

✓ Local Policyholder

Insured sum

✓ EUR 1,000,000 per accident with a maximum of EUR 5,000,000 for any one Insurance Period per Territory and a maximum of EUR 15,000,000 for any one Insurance Period for all Territories under this Policy in Europe (or the equivalent amount in local currency (see local documents)).
✘ Any liability in connection with Data and Cyber Claims
✘ Any liability in connection with Terrorism
✘ Any contractual liability unless you would have had the same liability had you not entered into the contract or agreement
✘ Damages caused under the influence of alcohol above the locally allowed limit or under the influence of nonprescribed medicine or drugs.
✘ Any liability resulting from, arising out of or relating to any Pandemic outbreak including the Covid-19 virus

Are there any restrictions on cover?

If you do not tell us about any other insurance that wholly or in part covers the risk when notifying us of a claim then it will release us of our obligations under this Policy.

Where am I covered?

The insurance is valid in the country in which the Dott/Tier Unit is rented.

What are my obligations?

You must comply with the Insurance Terms and Conditions.
In the event of an insured event, you must,

• inform us without delay of the Damage
• take reasonable precautions to prevent and minimise any financial loss which might be caused as a result of the Accident;

When and how do I pay?

Dott/Tier pays the insurance premium. There is no additional charge for you.

When does the contract start and when does it end?

The cover starts when you start a rental of a Dott/Tier Unit through the Dott/Tier Application and ends with the end of such rental.

How do I cancel the contract?

You cannot withdraw from the Insurance; it is an integral part of the Dott/Tier rental offer.

Important Information about the Insurance Policy

Dott/Tier (emTransit B.V.) has purchased insurance coverage to protect the rider during the use of the Dott/Tier Units. Dott/Tier (emTransit B.V.) is the Policyholder and pays the premium to the Insurer. The policy is active in the following countries:

YOUR INSURANCE

General Third Party Liability Insurance

You are insured for damages which results in Bodily Injury to, or Damage to Property of, a third party during the use of a Dott/Tier Unit. Insurance cover under this Policy is only provided if no statutory motor third party liability insurance for the respective Dott/Tier Unit in the country of rental exists. The insurance is limited to EUR 1,000,000 per accident with a maximum of EUR 5,000,000 for any one Insurance Period per Territory and a maximum of EUR 15,000,000 for any one Insurance Period for all Territories under this Policy in Europe (or the equivalent amount in local currency (see local documents)). Note that this General Liability cover is secondary to your private third-party liability insurance.

IN CASE OF AN ACCIDENT

What do you have to do in every claim?

You must take reasonable precautions to prevent and minimize loss or damage. You must also provide proof in support of the claim. For this reason, please always secure suitable evidence of the occurrence of the damage (e.g. damage confirmation, attestation) and the extent of the damage. Please notify your damage quickly through the Dott/Tier Application or through claims-support@ridedott.com. The Policyholder will forward the claim to us including relevant rental data and we will reach out to you for further instructions.

Applicable Law

The Policy is governed by the law of the country of rental, unless this is precluded by international law. The Policyholder or the Beneficiary may bring an action under the Policy before the court at the registered office or branch of the Insurer.

If the Policyholder or Beneficiary is a natural person, legal action may also be brought in the court in whose district the Policyholder or insured person has his place of residence at the time the action is brought or, if no place of residence exists, his habitual residence.

IMPORTANT NOTES

AWP P&C S.A. – Dutch Branch, is a Dutch branch of AWP P&C S.A, which has its registered office in Saint-Ouen, France and is part of Allianz Partners Group. AWP P&C S.A., Dutch branch is registered at the Netherlands Authority for the Financial Markets (AFM) and is authorised by L’Autorité de Controle Prudentiel et de Résolution (ACPR) in France to provide insurance products and services on a cross-border basis.

COMPLAINTS

Complaint options

Our goal is to offer first-class services.
It is also important to us to respond to your concerns. Should you ever be dissatisfied with our products or our service, please let us know directly.

Ombudsman

If you are not satisfied with the solution you may have a right to submit the complaint to La Médiation de l’Assurance (www.mediationassurance.org) at LMA, TSA 50110, 75441 Paris, Cedex 09, France.

Alternatively, you may have the right to submit the complaint to the financial services dispute resolution service in your Country of Residence.

AWP P&C S.A. – Dutch Branch

Poeldijkstraat 4
Amsterdam
Netherlands - 1059 VM

Corporate Identification No° 33094603

AWP P&C S.A.

Public limited company under French law/
Registered Office: Saint-Ouen (France)
Commercial Register: R.C.S. Bobigny No° 519 490 080

National Supervisory Authority

For complaints from all lines of insurance, you can contact
• the Supervisory Authority responsible for us, L'Autorité de Controle Prudentiel et de Résolution (ACPR), 4 Place de Budapest, CS 92459, 75436 Paris Cedex 09 (https://acpr.banque-france.fr/en)
• or your national Supervisory Authority: https://www.eiopa.europa.eu/register-licensed-insurance-undertakings_en

INSURANCE TERMS AND CONDITIONS

Applicable terms & conditions:

General Third-Party Liability Insurance

A. General Information

AWP P&C S.A. – Dutch Branch with registered office in the Netherlands (hereinafter “Insurer”) provides insurance coverage subject to the terms and conditions set out herein. Some words and phrases have specific meanings and are defined herein. For easier reading, they are formatted with bold letters.

B.

Definitions

The following definitions are applicable to the Policy:

“Local Policyholder”: The Local Policyholder per Territory is defined in the following table

“Accident” means a sudden event neither expected nor intended by (i) the Beneficiary or (ii) in case of a Dott/Tier Property Claim only, the Local Policyholder, and which first occurred or commenced at a specific time during a Covered Period which results in Bodily Injury to, or Damage to Property of, a third party or third parties.

“Beneficiary” or “Beneficiaries” shall mean (i) an individual Customer(s), who (A) rents a Dott/Tier Unit for personal transportation purposes in a Territory pursuant to the local Rental Agreement; and (B) is of the minimum age required by local laws or regulations to ride the Dott/Tier Unit in that Territory, but is at least of the legal age of majority in the respective Territory; and (ii) any other Permitted User.

“Insurance Period” means the period during which this policy is effective.

“Bodily Injury” shall mean physical injury or the death of any human person. It shall not include any mental injury, shock or anguish.

“Claim” shall mean a written demand for monetary compensation by a third party against a Beneficiary relating to an Accident.

“Commercial Use” shall mean the use of a Dott/Tier Unit for purposes relating to a Beneficiary's trade, business, craft or profession. For the avoidance of doubt, Commercial Use shall not include commuting between a Beneficiary's residence and place of work.

“Covered Period” shall mean the period of time from when a Beneficiary unlocks a Dott/Tier Unit until the Beneficiary locks the Dott/Tier Unit in accordance with the instructions in the Dott/Tier Application, or otherwise completes the use of the Dott/Tier Unit, whichever is the earliest.

“Customer” means any natural person who is registered to the Dott/Tier Application.

“Damages” shall mean a sum of money payable to a third party as compensation under civil law in respect of actions or suits brought in a court in any Territory (other than actions or suits brought to enforce a judgment obtained outside of the Territories). It shall not include any award made by a criminal court, punitive Damages, exemplary Damages, aggravated Damages, fines, penalties or any award of additional Damages resulting from the multiplication of compensatory Damages against a Beneficiary.

“Damage to Property” shall mean physical damage to, loss of or destruction of tangible property.

“Defence Costs” shall mean any and all legal costs and expenses which are reasonably and necessarily incurred with the prior written consent of the Insurer (not to be unreasonably withheld) in the investigation or defence of any Claim which is covered under this Policy.

“European Motor Insurance Directives” means Directive 2009/103/EC of the European Parliament and of the Council of 16 September 2009 or any subsequent legislation.

“Financial Loss” means a pecuniary loss, cost or expense not in respect of:
(i) Bodily Injury to third parties; or
(ii) Damage to Property of third parties.

“Insurer” means AWP P&C S.A. – Dutch Branch.

“Dott/Tier Application” shall mean the application used by a Customer in order to use the Dott/Tier Unit.

“Dott/Tier Electric Scooter” means an electric two wheeled kick scooter propelled by a combination of human power and an electric motor with handlebars, brake(s) and a deck that allows a person to stand while operating the scooter, which is powered by an electric motor with maximum continuous rated power according to local laws and regulation capable of propelling the scooter with or without human propulsion and that ceases to provide assistance when the scooter reaches a maximum speed according to local laws and regulation.

“Dott/Tier Electric Bicycle” shall mean an electric pedal cycle, which has pedal assistance powered by an electric motor with maximum continuous rated power according to local laws and regulation which assists the human propulsion of the pedal cycle and that ceases to provide assistance when the pedal cycle reaches a maximum speed according to local laws and regulation

“Dott/Tier Property Claim” means a Policyholder Claim made against a Policyholder pursuant to subparagraph (ii) of the definition “Policyholder Claims” below.

“Dott/Tier Unit(s)” shall mean only the Dott/Tier Electric Bicycles and the Dott/Tier Electric Scooters, which are operated by the Local Policyholder.

“Limit of Indemnity” shall mean the maximum liability of the Insurer in respect of any one Accident in the maximum amount of EUR 1,000,000 with a maximum of EUR 5,000,000 for any one Insurance Period per Territory and a maximum of EUR 15,000,000 for any one Insurance Period for all Territories under this Policy in Europe.

“Pandemic”: epidemics with a pandemic characteristic (declared by WHO), of seriousness and virulence such as to result in high mortality or requiring restrictive measures to reduce the risk of transmission to the civilian population. By way of example and not limited to: closure of schools and public areas, limitation of public transport in the city, limitation on air transport.

“Permitted User” means any individual person that:
(i) uses a Dott/Tier Unit with the explicit consent of a Beneficiary that has rented such Dott/Tier Unit under a Rental Agreement; and
(ii) is of the minimum age required by local laws or regulations to ride the Dott/Tier Unit in that Territory, but is at least of the legal age of majority in the respective Territory.

“Policy” means the Collective Insurance Agreement including all Schedules (in particular these Insurance Terms and Conditions) which shall be read together as one contract and any word or expression to which a specific meaning is attached in any of them shall bear such meaning throughout.

“Policyholder Claim” shall mean a written demand for:
(i) monetary compensation by a third party against the Local Policyholder arising directly from an Accident for which the Beneficiary would have been entitled to cover under this Policy if the third party had made a Claim regarding such Accident; and
(ii) monetary compensation of Damages to Property arising directly from an Accident where the Dott/Tier Unit is the proximate cause of that Accident and the Local Policyholder is responsible by local civil tort law (“Dott/Tier Property Claim”). Any product defect of the Dott/Tier Unit or any environmental claim against a Policyholder is not covered.

“Rental Agreement” shall mean the contract for hire of a Dott/Tier Unit entered into by a Customer and the Local Policyholder.

“Territory” means the country where the Local Policyholder is incorporated and such Local Policyholder’s Dott/Tier Units can be hired.

“Terrorism” shall mean an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

“Unauthorised Use” shall mean:
(i) the use of the Dott/Tier Unit by anyone other than a Beneficiary. For example, use following theft of the Dott/Tier Unit or through the improper use of a Customer’s log-in credentials for the Dott/Tier Application; or
(ii) Commercial Use of the Dott/Tier Unit.

C.

Insurance Coverage

1. The Insurer will provide indemnity for all sums which a Beneficiary may become legally liable to pay as Damages and Defence Costs arising directly from an Accident provided that:

a) the Accident occurred in the Territory; and

b) the Claim was made within 1 (one) year of the date of the Accident, unless applicable legislation regarding third party civil liability for such Accidents requires the Policy to provide a longer period.

2. Subject to all Policy terms and conditions, cover shall also extend to Policyholder Claims provided that, in the event of a Policyholder Claim, any terms, conditions and obligations of this Policy which would have applied to the Beneficiary, had the Policyholder Claim been a Claim, shall apply to Policyholder.

3. This Policy is not intended to meet the requirements of the European Motor Insurance Directives or any national or international laws, regulations, rules or conventions concerning the compulsory insurance of motor vehicles (or similar).

D.

Limits of Liability

1. The amounts payable by the Insurer for Damages or Defence Costs under paragraph C1 shall not exceed the Limit of Indemnity.

2. Where the Insurer is liable to indemnify more than one party in respect of one Accident the total amount payable shall not exceed the Limit of Indemnity.

3. All obligations of the Insurer in relation to any one Accident shall cease after the Limit of Indemnity has been paid by the Insurer.

E.

Exclusions

The indemnity in this Policy (including under any extension) will not apply to legal liability or pay any amounts:

1. Unauthorised Use: arising out of or in connection with any Unauthorised Use.

2. Passengers:

a) in respect of any use of a Dott/Tier Unit where more than one person is on or in connection with the Dott/Tier Unit at the same time

b) in respect of any transportation of animals on or in connection with the Dott/Tier Unit at the same time

c) in respect of any damage to Property of, or Bodily Injury to, passengers being carried on a Dott/Tier Unit.

3. Beneficiary and Local Policyholder Property: In respect of Damage to Property:

a) owned or rented by a Beneficiary or the Local Policyholder;

b) loaned or rented to a Beneficiary or the Local Policyholder; and/or

c) in the care, custody or control of a Beneficiary or the Local Policyholder.

4. Contracts: arising out of or in connection with a contract or agreement unless the Local Policyholder or Beneficiary would have had the same liability had the Local Policyholder or Beneficiary not entered into the contract or agreement.

5. Financial Loss: for Financial Loss.

6. Penalties: for penalties, fines, or liquidated Damages.

7. Damage to the Dott/Tier Unit in respect of:

a) loss of or damage to any Dott/Tier Unit; or

b) the costs of replacement, reinstatement, rectification, repair or recall of any Dott/Tier Unit

8. Motor: arising out of or in connection with vehicles which are provided for hire via the Dott/Tier Application that require motor insurance under the European Motor Insurance Directives or other applicable laws, regulations, rules or orders in the Territories.

9. Punitive Damages and US Claims

a) for punitive or exemplary Damages awarded by any court in the United States of America, its territories and possessions, Puerto Rico, or Canada or for any costs or interest associated with any such award.

b) for any Claims made in the United States of America, its territories and possessions, Puerto Rico or Canada, the indemnity in this Policy will not apply to legal liability or pay any amounts arising out of Claims payable under workers compensation, disability benefits, unemployment compensation laws or any similar law.

10. Specified Excluded Perils: arising out of or in connection with:

a) civil commotion, riot, labour disturbances or public disorder or attempt thereat;

b) war (whether declared or not), or war-like acts or attempt thereat;

c) military uprisings, usurped power, rebellion or revolution or attempt thereat, or action taken by governmental authority in hindering or defending against any of these;

d) any act or attempt of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the liability or any action taken in controlling, preventing or suppressing Terrorism; or

e) flood, windstorm, earthquake, tsunami, hurricanes, blizzards, or any other natural event.

11. Pollution: arising out of or in connection with pollution, seepage, discharge, dispersal, release or escape of any solid, liquid, gaseous or thermal irritant or contaminant, including, but not limited to, smoke, vapours, soot, dust, fibres, fungi, mould, fumes, acids, alkalis, chemicals and waste (including but not limited to material to be recycled, reconditioned or reclaimed) or contamination of any kind.

12. Apron use: arising out of or in connection with any use of a Dott/Tier Unit on an airport apron.

13. Cyber: This Policy does not cover any liability (including any cost of defending any action) of any nature connected in any way directly or indirectly contributed to or resulting from electronic data and cyber risks, or network attacks regardless of any other cause or event contributing concurrently or in any other sequence to the loss. We will also not pay for claims in respect of any losses, damages or expenses that arise from the failure of communication network signals, power supply, network connection and telecommunication system.

14. Pandemic: Notwithstanding anything to the contrary in this Policy, the Insurer shall not be deemed to provide cover, and shall not be liable to pay any claim or provide any benefit under this Policy, to the extent

a) resulting from,

b) arising out of,

c) or relating to any Pandemic outbreak (including the Covid-19 virus).

15. Intoxication: This Policy does not cover any liability (including any cost of defending any action) of any nature connected with any use of a Dott/Tier Unit under the influence of alcohol above the locally allowed limit or under the influence of non-prescribed medicine or drugs.

F.

General Conditions

1. Premium

The Insurance Premium is paid by the Policyholder.

2. Communication of Policy Changes

The Local Policyholder must inform the Beneficiaries of any material change in the Policy, including any amendment, restriction or cancellation thereof, as soon as possible.

3. Trading Restrictions and Sanctions

Notwithstanding anything to the contrary in this Policy, the Insurer shall not be deemed to provide cover, and shall not be liable to pay any claim or provide any benefit under this Policy, to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the United Kingdom, the European Union or the United States of America.

G.

Claims conditions

Unless required by any applicable law or regulation, an adjusted indemnity will be paid according to the degree of the infringement for the liability of any Beneficiary who has not complied with the requirements of this section, which requirements shall be communicated by: i) the Local Policyholder to Beneficiaries via the Local Policyholder’s webpage; or ii) Local Policyholder or Insurer to Beneficiaries at the time a Beneficiary notifies Local Policyholder or Insurer of an Accident or Claim.

1. Notification responsibilities of the Beneficiaries

a) In the event of any Accident which may result in a Claim a Beneficiary shall:

(i) notify the Local Policyholder under the contact details set out in the insurance certificate as soon as possible according to local law or regulation;

(ii) take reasonable precautions to prevent and minimise any financial loss which might be caused as a result of the Accident;

(iii) Upon being contacted by the Insurer:

• provide the Local Policyholder (or the Insurer upon request) with all relevant information and documents regarding the Accident and its consequences;
• provide the Insurer (upon request) with proof of age at the time of the Accident (e.g. by way of passport); and
• supply such proof, information and sworn declarations as the Insurer may require within the time frame requested.

b) On the receipt by a Beneficiary of a Claim, the Beneficiary shall:

(ii) notify the Local Policyholder under the contact details set out in the insurance certificate as soon as possible but in any event within 30 days of the date on which they receive the Claim.

(iii) Upon being contacted by the Insurer:

• provide all information and documents within their possession relating to the Claim and underlying Accident;
• forward to the Insurer all relevant correspondence, court document(s) and notifications received relating to the Claim and underlying Accident;
• supply such proof, information and sworn declarations as the Insurer may require within the time frame requested, including any communication, writ, summons or other legal process in connection with the Accident; and
• provide to the Insurer particulars of any other insurance providing the same cover as this Policy.

2. Control of Claims

a) A Beneficiary must not enter into negotiations, admit liability, agree to the settlement, mediation or arbitration of any Claim, make any promise to pay or settle a Claim or incur any Defence Costs without the Insurer's prior written consent (such consent not to be unreasonably withheld or delayed).

b) Beneficiaries and the Policyholder shall give all information, documents, co-operation and assistance as the Insurer may reasonably require in connection with the handling of any claim.

c) The Insurer will not be bound by any admission, or any offer made by a Beneficiary or anyone acting on their behalf to any third party.

d) The Insurer shall:

(i) be entitled to take over and conduct in the name of a Beneficiary or Policyholder and in such manner as the Insurer may in its absolute discretion think fit, the defence or settlement of any Claim; and

(ii) otherwise have absolute discretion in the conduct of any proceedings and in the settlement of any Claim, whether or not any payment has been made under this Policy.

3. Discharge of Liability

a) The Insurer may at any time pay to the Policyholder or a Beneficiary in connection with any Claim the remaining amount of the Limit of Indemnity (after deduction of any sum or sums already paid as Damages or Defence Costs, if applicable).

b) If a Beneficiary shall refuse to consent to any settlement recommended by the Insurer and shall elect to contest a Claim, then the Insurer's liability for Damages and Defence Costs in respect of that Claim shall not exceed the amount for which the Claim could have been settled plus any Defence Costs incurred at the date of such refusal.

c) Upon such payment being made in accordance with paragraph G3.a. or G3.b. above, the Insurer shall relinquish the conduct and control of, and be under no further liability in connection with, such Claim.

4. Fraudulent Claims

In the event that a fraudulent claim is made under this Policy by or on behalf of a Beneficiary:

a) the Insurer may recover from the Beneficiary any sums paid by the Insurer in respect of the claim; and

b) in addition, the Insurer may by notice to the Beneficiary treat the Policy as having been terminated with effect from the time of the fraudulent act solely in relation to that Beneficiary.

5. Other Insurance

If any liability covered under this Policy is also covered wholly or in part under any other insurance held by a Beneficiary:

a) the Beneficiary must inform the Insurer of the existence of such other insurance when notifying a Claim; and

b) the Insurer shall not be liable except in respect of any excess beyond the amount which would have been payable under such other policy or policies had this Policy not been purchased.

6. Subrogation

a) On making any payment in respect of any liability in relation to which cover is available under this Policy, the Insurer may in a Beneficiary's name, at the Insurer's cost, recover against any third party who is responsible for the liability up to the amount which the Insurer has paid. The Beneficiary shall also provide all such reasonable assistance as the Insurer may require in relation to such recovery.

b) To the extent that any recovery is made from any third party in respect of any liability in relation to which cover is available under this Policy, the Insurer shall be entitled to those proceeds up to the amount of any payments it has made in relation to such liability. The Beneficiary shall co-operate with the Insurer and comply with all reasonable instructions from the Insurer in relation to the process and procedure for making any such recovery. The Insurer shall have sole discretion as to whether such recovery should be pursued.

7. Reimbursement

a) Upon settlement of a claim under this Policy, the Insurer will be entitled to be reimbursed by a Beneficiary for any amounts paid in connection with an Accident to the extent that such Accident was caused by the illegal use of a Dott/Tier Unit by the Beneficiary, including where:

(i) a breach of local traffic laws or regulations

b) In addition, the Insurer will be entitled to reimbursement from:

(i) the Policyholder where it has wilfully caused any Damages to the Insurer upon the occurrence of an Accident; or

(ii) a Beneficiary where such Beneficiary has wilfully caused any Damages to the Insurer upon the occurrence of an Accident.

8. Applicable law

The governing law of this Insurance Policy is the law of the Territory and all communications and documentation in relation to this Insurance Policy will be in English, and/or in local language.