Page 148 - Hollard Private Portfolio - Version 3.5

146 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Pleasure-craft
How we handle claims in neighbouring countries
If you have a valid claim, we may decide either to have the pleasure-craft repaired in the country concerned, or have you
bring it back to South Africa for repairs.
○ We will not pay:
– For theft of parts or accessories while the pleasure-craft is left unguarded at the scene of an accident,
unless it is out of your control.
– More than the limit shown in your policy schedule under the included How we handle claims in
neighbouring countries (repatriation) cover.
– For any government-imposed duties, customs, charges or stamps.
○ If the pleasure-craft is a write-off and you do not bring it back to South Africa, we will deduct the value of the
salvage from your pay-out. The value of the salvage will be the amount we would have received for it in South
Africa. You will remain the owner of the salvage and will be responsible for complying with any local government
requirements. This means that the Salvage belongs to us after a claim condition in the Understanding your
policy, Claiming under this policy section does not apply in this instance.
What is not covered
We do not cover any claims for loss, damage or liability directly caused by, or related to, any of these exclusions. You
must read these exclusions together with the General exclusions in the Understanding your policy section to make sure
you understand exactly what is not covered. These are not all the instances where we do not provide cover.
Alcohol, drugs and skipper behaviour
There is no cover where the person operating the pleasure-craft:
○ Does not have a valid South African skipper’s licence (if required for the type of pleasure-craft).
○ Exceeds the maximum design speed of the pleasure-craft.
○ Is under the influence of alcohol.
○ Is under the influence of drugs or medication, unless it is prescribed by a doctor and is taken in the correct
dosage.
○ Exposes the pleasure-craft to situations that clearly have a high risk of loss or damage.
For example: Performing dangerous manoeuvres or launching the pleasure-craft while under the influence of alcohol.
Blockage of cooling systems
We do not cover loss or damage to motors as a direct result of blockage of the water intake or cooling system.
Leaving the pleasure-craft unattended
There is no cover if the pleasure-craft is unattended and left moored or anchored off an exposed beach or shoreline,
resulting in it being stranded, sunk, swamped or going adrift.
Liability to third parties
There is no legal liability cover in the following instances:
○ Accidental death or bodily injury
You are not covered for legal liability in the event of accidental death or bodily injury to any of the following
people:
– A fare-paying passenger.
– Family members or people insured under this policy, whether they live with you or not.
– A person in your employ.
– Any person being conveyed on or inside your pleasure-craft while it is transported over land, sea or air.