Page 117 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Motor
○ Use of motorcycles, scooters, three-wheeled vehicles, quad-bikes, motorised lawnmowers, trailers, caravans,
motorised caravans or golf carts for business or commercial purposes;
○ Whilst in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair
of the vehicle (for example – your vehicle is covered when at the auto repairer for repairs but it is not covered
when at the motor dealer because you are selling it).
Business travel or commercial travel?
When you use your vehicle for business such as visiting clients without carrying tools, machinery and stock it qualifies
as business use.
You are allowed to carry small samples of the stock you trade in such as Tupperware, carpets or materials. If, however,
you use your vehicle to load machinery (such as generators or lawnmowers), tools (such as for plumbing or carpentry
etc.) or stock (such as copper pipes, wood, bricks, cement, etc.) for a job or project, then that is commercial travel and
not covered under this policy. If your vehicle is available as an employee pool-car and can be used by multiple drivers,
it is commercial travel and not covered under this policy.
No carrying of explosives or hazardous goods
You may not, under any circumstances, use your vehicle to carry explosives or hazardous goods, unless it is for your own
personal domestic use and you do not need a formal permit – for example, a gas cylinder for your stove or acid for your
pool.
Typical examples of explosives and hazardous goods are nitroglycerine or dynamite; chemicals or compressed gas; gas
in liquid form; hazardous waste; and liquid petroleum.
No using your vehicle as a courier or transport contractor
You may not, under any circumstances, use your vehicle as a courier or transport contractor.
No carrying of fare-paying passengers
You are not permitted to use your vehicle as a bus or taxi to carry fare-paying passengers.
If you do give other parties a lift regularly, and they pay you, then that payment should be only for the actual expenses
incurred; it should not include a profit. In this case, the passengers will not be regarded as fare-paying. An example of
such an arrangement is vehicle-sharing or car-pooling.
Where we cover your vehicle
We will cover your vehicle within the borders of South Africa and while you are travelling in the following countries:
Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, eSwatini, Tanzania, Uganda, Zambia and Zimbabwe.
The following conditions apply:
○ We will cover you for a total of 90 days per year while you are travelling outside of South Africa in the
abovementioned countries.
○ Your cover outside of South Africa also includes cover for third party liability, but certain countries are excluded
and there are special conditions as explained under the Third party liability cover heading.
Who may drive your vehicle
○ The regular driver, as noted in your policy schedule, and other people who use the vehicle from time to time,
are allowed to drive the vehicle.
What is not covered
We do not cover any claims for loss, damage or liability directly caused by, or related to, any of these exclusions. You
must read these exclusions together with the General exclusions in the Understanding your policy section to make sure
you understand exactly what is not covered. These are not all the instances where we do not provide cover. The cover
described in this section may have exclusions mentioned in the description of the cover.