Page 156 - Hollard Private Portfolio

Motor – Third party, fire and theft
We do not cover loss or damage:
○ for any work, process or operation that is interrupted or delayed
○ caused by permanent or temporary dispossession as a result of confiscation, commandeering or requisition by
a lawfully constituted authority.
Theft of spare wheels
If your spare wheel is fitted to the outside of your vehicle you must fit a Hollard-approved wheel-lock to the spare wheel. If you do not, we will not pay more than the amount in the Schedule, and you will be responsible for the excess.
ADDITIONAL COVER YOU CAN CHOOSE
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.
Car hire
We will arrange a manual rental car with air-conditioning on your behalf if your vehicle, excluding a 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 or use of the daily limit 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.
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.
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.
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.
154 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020