Page 128 - Hollard Private Portfolio - Version 3.5

126 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Motor
In addition to the standard cover outlined in the preceding pages, you are also covered for the following:
Windscreen, fitted glass and lights
We will repair or replace the accidentally damaged glass in any fitted windows and lights of your vehicle. Fitted windows
include the windscreen, rear and side windows. Lights include the head-, tail-, and spotlights. The following conditions
apply to this benefit:
○ We will not limit the amount we will pay if you contact us and we arrange for the repair or replacement with
our approved service provider.
○ If you do not contact us before the repair or replacement, we will only pay up to the limit shown in your policy
schedule.
○ There is an excess that applies if you choose non-generic glass.
This benefit does not apply to sunroofs (including panoramic sunroofs).
Sound equipment
We will pay for accidental loss or damage to any factory-fitted sound equipment originally fitted by the manufacturer,
during the production of the vehicle and included in the manufacturer’s specification. If the sound equipment is not
factory-fitted, it must be specified separately in your policy schedule.
Any theft of the sound equipment must have been the result of forced and violent entry into the vehicle. A claim for
sound equipment will affect your premium.
Limits apply to the following
We also cover you for the events listed below, but only up to the limits stated in your policy schedule.
Caravan, motorised caravan and trailer contents
All loss and damage covered
We will pay for accidental loss or damage to your caravan/trailer contents from any accidental cause.
If your contents are stolen from your unoccupied trailer, caravan or side tent, there must be clear signs of forced entry
or exit. Caravan/trailer contents do not include permanent fittings of the caravan or trailer.
We will not pay for loss or damage caused by the dishonesty of any person using your caravan/trailer.
If this limited amount is not enough to pay for the contents you may ask for additional cover.
Check your policy schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in
the event of loss or damage. If you feel that it is not enough, you may ask us for additional cover so that we can increase
the limit.
Courtesy vehicle
If your vehicle is being repaired or serviced and you receive a courtesy vehicle, we will cover you for the following:
○ We will cover you for loss or damage to the courtesy vehicle up to the lesser of the courtesy vehicle’s retail value
and your vehicle’s sum insured, as long as the courtesy vehicle is not insured elsewhere for comprehensive
vehicle insurance.
○ If the courtesy vehicle is insured elsewhere for comprehensive vehicle insurance, then we will cover you for the
excess you have to pay to the other insurer, after deducting the excess due under this policy. You must give us
proof of the amount you paid.
○ The following conditions apply:
– The regular driver was driving the courtesy vehicle at the time of the loss or damage.
– The courtesy vehicle is a passenger vehicle or light delivery vehicle (LDV) with a gross vehicle mass not
exceeding 3 500 kg.