Page 116 - Hollard Private Portfolio - Version 3.5

114 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Motor
○ Private and work
Private use (social, domestic, pleasure), as well as all travel to and from work.
○ Private, work and business
Private use (social, domestic, pleasure), all travel to and from work, as well as travel for business or professional
purposes excluding travel for commercial purposes.
○ Limited mileage
You can choose to use your vehicle for private; private and work; private, work and business use as described
above but restricts your vehicle to travelling no more than 6 000 km/3728 miles in a 12-month period.
– The 12-month period runs from renewal date to renewal date. If the period from the cover start date
to the renewal date is less than 12 months, the mileage limit will be reduced proportionally. We may
request proof of your vehicle’s odometer reading at any time, such as a photograph of the odometer.
Example: If you select the Limited mileage of 6 000 km for your vehicle in March and your renewal date is September
then that means the 6 000 km limit will be reduced to 3 000 km (6 000 divided by 12 multiplied by 6).
– You may not insure your non-road vehicle, trailer, caravan or motorised caravan for this Limited
mileage cover.
Changes to the use of the vehicle
○ You must remember to tell us if the type of use of your vehicle changes for instance if you insure it for private
use but start using it for private, work and business.
○ Remember that we do not insure vehicles used for commercial use. If your vehicle is used for commercial use,
then we will cancel (void) your cover from the date that you started using it for commercial use. You will lose
your right to claim and we will pay back all the premiums we have received after the date of cancellation, less
any claims we may have paid.
○ Unless we cancel your cover because of your dishonesty or intentional misrepresentation, the additional excess
as shown in your policy schedule will apply at claim stage in the following instances:
– If you asked us to insure your vehicle for our Limited mileage option, but you unintentionally exceeded
the selected mileage limit in a 12-month period and you did not inform us to change your type of use
to private, private and work or private, work and business.
– If you asked us to insure your vehicle for private use but you unintentionally started using it for private,
work and business.
Note that the following are excluded:
○ Renting the vehicle out;
○ Carrying passengers for financial gain, whether on a fare-paying or hire basis;
○ Paid driving instruction; carrying trade samples or goods;
○ Racing, speeding, motor sport, rally, time trial or while being tested in preparation for any motor sporting
activity, or while being driven on a motor sporting circuit or track of any kind;
○ Use 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;
○ Driving on a motor sporting circuit or track of any kind, unless during an advanced driving course where all of
the following apply;
– The driving course is accredited by the Advanced Driver Training Industry Board of South Africa
(A.D.T.I.B of S.A).
– At the time of the accident, the driver is under instruction of the approved and accredited driving
school instructor.
– The accident happens while the driver is following the instructions of the driving school instructor.
○ Towing a vehicle for financial gain;
○ Use while the vehicle is overloaded;