Page 120 - Hollard Private Portfolio - Version 3.5

118 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Motor
– Using your vehicle to carry passengers for reward, such as a taxi (including ride-hailing services) or
limousine.
This exclusion does not apply to car-pooling or lift clubs
Car-pooling means when you are carrying passengers and the passengers are contributing towards the running cost
of the vehicle in a lift club and there is no element of profit or monetary gain for the driver or owner of the vehicle.
○ Using your vehicle to carry out your trade, such as plumbers, electricians, builders, garden services, farmers,
etc.
Your specific responsibilities
In addition to your responsibilities set out in the Your responsibilities in the General term and conditions section, you
have extra responsibilities that specifically apply to your Motor cover section.
Check your security
You must read your policy schedule to know what your security requirements are.
○ We may specify the type of tracking device to be installed in your vehicle, which may be an early-warning
device. An early-warning tracking device is one that can automatically alert the tracking company.
○ You will not have any theft or hijacking cover if a security device is a condition of cover noted in your policy
schedule and you do not have it installed.
○ If a tracking device is either:
– a requirement for your vehicle; OR
– not a requirement for your vehicle but you decide to get one and it is noted in your policy schedule and
the appropriate premium discount has been given then we will not pay a claim for theft or hijacking
in any of the following instances:
▪ The tracking device is not of the type stipulated in your policy schedule.
▪ The tracking device was not in working order at the time of the incident.
▪ Your contract was not active at the time of the incident.
▪ You did not comply with the conditions of that contract.
▪ You did not report the theft or hijacking to the tracking company immediately after the
incident.
You must comply with conditions of cover
Before we agree to insure certain items, or to provide full or partial cover in certain instances, you may be requested to
comply with measures to reduce the risk and severity of loss or damage. For example, we may ask you to have a tracking
device installed in your vehicle. We will give you 14 days from the date we told you about these requirements for you to
comply, unless we agree otherwise in writing.
Drivers must be competent
We may, at our discretion, ask you to supply either of the following from time to time:
○ Written confirmation from a registered medical practitioner that the driver is fit to drive.
○ The results of a driver’s assessment.
Drivers must be licenced
Any driver of your vehicle must comply with the terms and conditions of this policy and must have a valid driver’s licence.
○ If your vehicle is used in South Africa, the driver must be in possession of a valid South African driver’s licence,
or a valid driver’s licence that complies with South African legislation.
○ A person with a valid learner’s licence must be accompanied by a person with a valid driver’s licence.
○ A valid driver’s licence is a licence that has not been cancelled, suspended or endorsed.