Page 135 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Motor
We do not cover you for any loss or damage to your winch equipment if it is:
○ caused by defective design, defective parts or defective repairs
○ operation of the winch beyond the manufacturer’s stress levels
○ due to wear and tear or gradual deterioration of any parts, such as cables or coupling devices.
Head-, tail- and spotlights
We will pay for the cost of replacing any accidentally damaged head-, tail- or fitted spotlights even if there is no other
damage to the vehicle.
Luggage
We will pay for the theft of luggage from a roof-rack, canopy, trailer or carrier. This cover is in addition to any cover you
may have for luggage under the All Risks section.
Aftermarket accessories and equipment
We will pay for loss or damage to aftermarket accessories and equipment (excluding sound equipment). This cover is in
addition to the cover already included under comprehensive cover and third party, fire and theft cover.
Personal documents
Following an insured event, we will pay for the cost of any materials and labour necessary to reinstate or obtain duplicates
of your personal documents. This includes identity documents, passports, visas and vaccination certificates as well as
lost or damaged printed road maps or permits which allow the vehicle entry into or exit from countries.
Tools – not standard to vehicle
We will pay for the cost of replacing any lost or damaged tools which was not supplied with the vehicle when new.
We do not cover:
○ breakage while being used
○ theft from an unattended vehicle, except in the following instances:
– The vehicle itself is securely parked (for instance inside a locked building or behind locked gates), and
there are clear signs of forcible or violent entry into the building or the premises.
– The vehicle is locked, there are clear signs of forced entry and the item is out of view, for instance
inside a locked boot, inside the glove compartment or under a seat.
– In the case of remote blocking, there is no cover unless there is CCTV footage or other indisputable
proof available.
Tyre cover
Definition that applies to your Tyre cover
Tyre The tyres fitted to your vehicle as shown in your policy schedule. This includes the spare wheel even if
it is a space-saver or temporary wheel shown in your policy schedule.
What we cover under this benefit
You are covered for unexpected and unforeseen damage to your tyres on a private or public road in South Africa. If the
tyre cannot be repaired, then we will pay for it to be replaced, and we will also pay for wheel balancing and alignment.
○ We will never pay more than:
– The maximum limits per tyre as shown in your policy schedule.
– Two tyres per claim.
– Two claims per a 12 month consecutive period.
○ If the maximum limits shown in your policy schedule are not enough to cover the full replacement cost, you will
have to pay the difference.