Page 110 - Hollard Private Portfolio - Version 3.5

108 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal accident
What is not covered
The exclusions set out in the General exclusions cover section do not apply to the benefits payable under the Personal
accident section. However, the conditions set out in the Understanding your policy section will still apply.
We do not cover any claims for loss or damage directly caused by, or related to, any of the following exclusions. These
are not all the instances where we do not provide cover, some benefits described in this section may have exclusions
that apply only to them.
Asbestos
We do not cover any legal liability or consequential loss because of the presence of asbestos in any form or quantity. This
is because of the hazardous nature of asbestos.
Aviation
There is no cover if an insured person who engages in aviation activities for recreation or travels by air, except as a paying
passenger in a fully licensed aircraft.
Consequential loss
We do not cover further loss or damage that you may suffer as a consequence of an event that is covered under this
policy. Consequential loss is not directly caused by an event covered under this policy, but is an indirect consequence of
the event.
For example, if your car is in an accident on the way to the airport, we will cover you for the damaged car (if insured
under this policy). We will not pay for any loss you may suffer because you missed your flight.
Domestic employees in motor vehicle accidents
We do not cover domestic employees for death, disability or bodily injury resulting from a motor vehicle accident, unless
the vehicle was driven in the course of their employment.
Electricity grid failure
We do not cover loss, damage, any amount of any kind, or liability that is caused (in any way) by Electricity grid failure.
○ This exclusion also applies to consequential losses in respect of any public utilities that are affected by Electricity
grid failure, including but not limited to, the disruption of water, telecommunications and sewage systems. It
also applies to other consequential losses, such as the deterioration of any food or other items.
○ This exclusion does not apply to Loadshedding which remains covered subject to the terms and conditions in
your policy.
Electricity grid failure
We do not cover loss, damage, any amount of any kind, or liability that is caused (in any way) by Electricity grid failure.
○ This exclusion also applies to consequential losses in respect of any public utilities that are affected by Electricity
grid failure, including but not limited to, the disruption of water, telecommunications and sewage systems. It
also applies to other consequential losses, such as the deterioration of any food or other items.
○ This exclusion does not apply to Loadshedding which remains covered subject to the terms and conditions in
your policy.
Insured person’s actions cause death, disability or bodily injury
There is no cover if an insured person’s death or disability is directly or indirectly caused by any of the following:
○ Criminal activities
An insured person’s participation in any criminal activity.
○ Dangerous activities or occupations
If an insured person participates in any of the following:
– any kind of racing, speed tests or endurance tests (other than on foot)