Page 125 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Motor
When there is no legal liability
Alcohol, drugs and driver behaviour
There is no legal liability 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 it is prescribed by a doctor and is 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.
Liability relating to death of or bodily injury to people
There is no cover for legal liability relating to death of or bodily injury to any of the following people:
○ You, anyone driving your vehicle, a family member (whether they live with you or not), or any person in your
employ.
○ Any person in or on a caravan or trailer while it is being towed by your vehicle.
○ Any person who was outside the cab of your vehicle at the time of the event.
○ Any person travelling in, getting into or getting out of a caravan or trailer.
Liability relating to loss or damage to property
There is no cover for legal liability relating to loss or damage to the following property:
○ Belonging to you, anyone driving your vehicle, a family member (whether they live with you or not), or any
person in your employ.
○ In the care, custody or control of the driver of your vehicle.
○ Being carried in, or on, a caravan or a trailer that is towed by your vehicle.
Liability relating to towing
There is no cover for liability relating to loss or damage to a caravan, trailer or another vehicle which does not belong to
you, while it is being towed by your vehicle.
Breaches of the National Road Traffic Act
There is no cover for legal costs to defend criminal acts or fines relating to breaches of the National Road Traffic Act.
Rejected claims for own damage
There is no cover for a driver’s liability if we reject a claim for loss or damage to your vehicle.