Page 150 - Hollard Private Portfolio

Motor – Comprehensive cover
Check your Schedule
The cover in this section applies only if you have specifically asked for it to be included as part of your policy. If you are unsure, please check your Schedule.
Caravan, motorised caravan and trailer contents – increased cover
Accidental loss and damage covered
We will pay for accidental loss or damage to your caravan/motorised caravan and trailer contents from any accidental cause.
If your contents are stolen from your unoccupied trailer, caravan, motorised caravan or side tent, there must be clear signs of forced entry or exit. Caravan/motorised caravan or trailer contents do not include permanent fittings of the caravan/motorised caravan or trailer.
We will not pay for loss or damage caused by the dishonesty of any person using your caravan/motorised caravan or trailer.
This cover is additional and applies if the limited cover is not enough to replace your caravan/motorised caravan or trailer contents.
Car hire
We will arrange a rental car with air-conditioning on your behalf if your vehicle, excluding a motorcycle, quad-bike, motorised lawnmower, golf cart, trailer or caravan is damaged or stolen. If you have chosen another option it will be stated in the Schedule. The rental will be on an unlimited-mileage basis, excluding the cost of fuel, lubricants or maintenance, and subject to the standard conditions of the rental company.
If you are injured as result of an accident and unable to drive your vehicle, we will pay the daily limit stated in the Schedule, to use for transport costs such as private taxis. If you make use of this daily limit you will not be entitled to a rental car as well.
The rental will end one day after your vehicle is repaired, replaced, or we have paid out. The rental will not exceed the period stated in the Schedule.
If you require car hire outside of South Africa (but still within the territorial limits), you will have to arrange and pay for the car and we will then reimburse you up to the limit stated in the Schedule.
Extension of liability
You are already covered for liability to third parties, as explained earlier. However, here we extend that cover to include not just you, but any organisation of which you are a director, a partner, a member of a close corporation or a sole proprietor. This is on condition that the organisation is not involved in the hiring of vehicles or the carrying of fare-paying passengers.
Make sure you are fully aware of the terms and conditions of the rental contract you sign with the rental company to avoid not having cover in the event of loss or damage.
148 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020