This policy compensates you or your spouse in the event of death or bodily injury disappearance following an accident to a conveyance in which you were travelling subject to proof as would satisfy a court of law that death caused by accident should be presumed.

We will not be liable for bodily injury, death, permanent disablement or disappearance sustained while participating in sports, motorcycling, air travelling in an aircraft that is not licensed for the carriage of passengers or as a member or acting member of the crew or for trade or technical operation connected with the aircraft.