Page 118 - Hollard Private Portfolio - Version 3.5

116 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Motor
Accessories
There is no cover for accessories that are:
○ Not included in the insured value of your vehicle.
○ Over the limit of the included Aftermarket accessories and equipment cover unless they have been specified
and are listed in the schedule.
○ There is also no cover for theft of accessories without signs of force or violence.
○ Theft of parts or accessories while the vehicle is left unguarded at the scene of an accident, unless leaving the
vehicle unguarded is out of your control.
Alcohol, drugs and driver behaviour
There is no cover while your vehicle is driven or being towed in any of the following instances:
○ The driver is under the influence of alcohol, or the alcohol content in the driver’s body exceeds the legal limit.
○ The driver is under the influence of drugs or medication, unless they are prescribed by a doctor and are taken
in the correct dosage.
○ The driver refuses to submit to any test to determine the level of alcohol or drugs in their body, such as blood,
urine or breathalyser tests.
○ The driver leaves the scene of the accident unreasonably or unlawfully.
○ The driver exposes the vehicle to situations that clearly have a high risk of loss or damage, for example making
a U-turn on a highway or driving at an excessive speed.
For the purposes of this exclusion, driver means any of the following people:
○ The regular driver or a permanent member of the household.
○ Any other person driving your vehicle with the permission of the following people:
– You or the regular driver.
– An adult of your household.
Custody of the motor trade
There is no cover while your vehicle is in the custody and control of the motor trade for any reason except if:
○ Your vehicle is a vintage vehicle.
○ It is for the valuation purposes or the overhaul, service or repair of your vehicle.
You are not covered if your vehicle is stolen while it is parked at a dealer who is selling it on your behalf.
Damage to tyres
There is no cover for loss of or damage to your vehicle’s tyres caused by:
○ Braking, punctures, cuts or bursts while driving, unless the rim or another part of your vehicle is damaged in
the same event.
○ Intentional or malicious damage by the regular driver, restricted driver or by a member of your immediate
family.
Permanent fixtures and fittings of trailers and caravans
We do not cover loss or damage to permanent fixtures and fittings inside of a trailer or caravan caused by theft or
attempted theft when it is unoccupied or unattended for more than 48 hours and there is no evidence of violent or
forcible entry into the trailer or caravan.
Pre-existing damage
There is no cover for the cost to repair any pre-existing or old damage, faulty workmanship or incomplete repairs that
were in existence prior to a claim event.