Page 137 - Hollard Private Portfolio

Motor
Unauthorised use of your vehicle
If anyone uses your vehicle without your knowledge or consent, you must lay a criminal charge against them within 48 hours. You may not withdraw the charge, even if your vehicle is later returned to you, unless you withdraw the claim.
Check your security
Immobiliser
If an immobiliser is a requirement you must be able to prove to us in the event of a claim that an approved immobilising device required by us:
○ was already installed at the time of the event, and was activated and working.
Check your Schedule now to see whether an immobilising device is a requirement.
Tracking device
If a tracking device is a requirement and/or the sum insured of your vehicle is in excess of the limit stated in the Schedule, you must be able to prove to us in the event of a claim that the tracking device required by us:
○ was already installed at the time of the incident, and was activated and working
○ is an early-warning system type and not of dormant nature.
You must also be able to show us that you immediately reported any theft or hijacking to the tracking company, and that your contract was active and paid up.
Check your Schedule now to see whether a tracking device is a requirement.
Dormant versus early-warning tracking devices
A dormant tracking device is not activated until you ask the tracking company to activate it.
An early-warning tracking device, on the other hand, activates itself (for example, by sensing the motion of the vehicle) and is able to automatically alert the tracking company.
We require you to have an early-warning tracking device installed.
You must have a valid driver’s licence
In the event of a claim, you must be able to show us that you have a valid South African driver’s or learner’s licence, or a valid driver’s licence that complies with South African legislation. For a learner’s licence, you must be able to show that you were accompanied by a licensed driver. The requirement of a valid driver’s licence also applies to any person who may drive your vehicle with your consent.
Notify us of certain traffic offences
You must notify us if you have been charged or convicted of reckless or negligent driving.
This also applies to any person who may have been driving your vehicle at the time with your permission.
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