Page 133 - Hollard Private Portfolio

Motor
Vehicle – full definition
Your vehicle includes all standard parts and accessories that are originally fitted by the manufacturer during the production of the vehicle and are included in the manufacturer’s specification. It may be any one of the following:
○ a private car, minibus or similar vehicle designed to carry up to 12 people, including the driver
○ a station wagon, motorised caravan, 4x4 vehicle, 4x2 vehicle, or light delivery vehicle, with a gross vehicle
mass of no more than 3 500 kg
○ a trailer or caravan which is not motorised, and which is designed or adapted for towing by a vehicle as described above
○ a motorcycle, scooter, quad-bike, motorised lawnmower, three-wheeled vehicle or golf cart.
Conditions of use of your vehicle
How you may use your vehicle
This insurance policy carefully defines how you may use your vehicle in order for the cover to be valid. There are three categories of use:
○ Private
Private use (social, domestic, pleasure), as well as emergency travel to and from work.
○ Private and work
Private use (social, domestic, pleasure), as well as all travel to and from work
○ Private, work and business
Private use (social, domestic, pleasure), all travel to and from work, as well as travel for business or professional
purposes excluding travel for commercial purposes
If the use of the vehicle changes during the life of the policy, and you forget to update us of the new use, you will have to pay an additional excess, as shown in the schedule, in the following scenarios:
○ You told us that the vehicle use is Private and at time of claim the use is Private and work or Private, work and business.
○ You told us that the vehicle use is Private and work, and at time of claim the use is Private, work and business.
If you were dishonest or intentionally misrepresented the facts, your claim will be rejected.
Note that the following are excluded:
○ Renting the vehicle out;
○ Carrying passengers for financial gain, whether on a fare-paying or hire basis;
Hollard Private Portfolio – Version 3.0.0 – 20 April 2020 131