The insurer indemnifies the insured against the loss of or damage to the
insured motor vehicles caused by:
1. Accident, collision/impact, malicious action by another person, theft, fire and lightning.
2. Any cause during crossing by ferry.
3. Damage to the tires, when it caused damage to the vehicle due to an accident.
4. Reasonable expenses incurred, such as towing expense due to accident, max 0.50% of the sum insured.