Cover if you sustain Bodily Injury, which shall solely and independently of any other cause, result within two years in your death, loss of limb, loss of sight or permanent total disablement. The exclusions are: You are not covered for any Liability arising out of ownership, possession, or operation of any motorised or mechanically propelled or horse drawn vehicle; any aircraft, motorised or mechanically propelled watercraft or sailing vessel; any animal or any firearms.