Page 151 - Hollard Private Portfolio

Motor – Comprehensive cover
Note, too, that this extended cover does not apply to any loss or damage that is insured under any other policy – or would be but for the existence of this extended cover.
In all cases, this extended cover is only ever valid if the vehicle is being used in accordance with the conditions of use, as described, applicable to the specific vehicle.
Keys, locks and remote controls – increased cover
We will pay for the cost of replacing lost or damaged keys, locks and remote controls, as well as the call-out costs of a technician and the reprogramming of any coded alarm system. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
This is additional cover, and applies if the limited cover is not enough to replace your keys, locks or remote controls.
Paying off your vehicle
If your vehicle is a write-off and you are still paying it off, we will settle the amount still outstanding up to the percentage of the sum insured stated in the Schedule. The amount paid out is calculated as if your credit agreement was an instalment agreement paid in equal instalments over a number of years plus the residual/balloon amount.
It does not include:
○ any arrear instalments or rentals (payments you may have missed as part of your credit agreement), or any interest still owing on them
○ any premium refunds or recoveries from any insurance policy. 4X4 Cover
Conditions of use of your vehicle
○ Private, work, business and 4X4
– private use (social, domestic, pleasure) and all travel to and from work
– travel for business or professional purposes excluding travel for commercial purposes
– conducting or guiding of trips on recognised 4X4 off-road trails (these are named and registered off-road trails which you pay a fee to drive on), and while the driver is receiving off-road training instruction at any off-road training facility. Such training facility must be fully registered and adhere to the regulations applicable to recreational driving as stipulated in accordance with the South African Qualifications Authority (SAQA).
We will not pay more than the limit stated in the Schedule for:
Emergency accommodation
If your car is stolen, damaged or it breaks down, resulting in an overnight delay, we will pay you back the cost of the emergency accommodation for you and your passengers.
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