Page 100 - Hollard Private Portfolio

○ Reckless disregard of the possible consequences of what you were doing or failing to do.
○ Failure to pay maintenance or alimony or any amount following a breach of promise.
○ Dishonest, fraudulent or malicious acts, physical assault or seduction: We do not cover liability arising from acts of dishonesty, fraud or malice, physical assault or seduction that you commit.
○ Debt: We do not cover any debt.
○ Property covered under any other insurance policy, with the exception of the underlying policy.
○ The ownership or use of any aircraft: We would however cover radio-controlled model aircraft, as long as it is used in terms of the rules and regulations set out by The South African Model Aircraft Association and hang- gliders.
○ HIV (Human Immunodeficiency Virus) or any related illness: This includes Acquired Immune Deficiency Syndrome) or any mutant derivate or variation thereof.
○ Loss or damage to any self-propelled vehicles, trailers, caravans, aircraft, watercrafts under your care, custody or control.
○ Motor liability unless the liability is either:
– Covered by an underlying policy.
– Excluded by an underlying policy because the claim event took place in a country where the underlying policy does not apply.
○ Motor liability related to a law that controls the use of motor vehicles or trailers if:
– By law you must insure the motor vehicle or trailer against the liability.
– The state or any government body or authority accepts liability for the claim.
○ Watercraft liability unless the liability is either:
– Covered by an underlying policy.
– Excluded by an underlying policy because the claim event took place in a country where the underlying
policy does not apply.
This is on condition that the total length of the watercraft does not exceed 10.5 metres.
○ Fines, penalties and punitive damages.
○ Legal costs and legal expenses for non-litigious matters, including applications such as, but not limited to
inquests, criminal matters, servitudes, declaration of right, appeals and administration of estate.
○ Between people insured under this policy at the time of the event that resulted in the claim.
○ Nuclear events and substances: These are risks associated with the nuclear industry in general. We do not cover any event related to radioactive or nuclear material in any way.
○ Confiscation or similar acts: We do not cover you for any loss, damage or costs because the police, or any other authority, legally took possession of your insured property for any period.
Personal liability
98 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020