Page 83 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal liability
– Vehicles: There is no cover for liability relating to the ownership, possession or use of any self-propelled
vehicle, scooter, three-wheeler, quad bike, caravan, trailer or golf cart, except for:
▪ Hobbyists’ models and toys, ride-on and motorised lawn mowers.
▪ Motorised equipment and wheelchairs covered under All Risks.
▪ The cover provided under What we cover: Motor liability.
– Legislation relating to vehicles: There is no cover for liability that is governed by a law that regulates
the use of vehicles in the following instances:
▪ Where you must insure against the liability.
▪ If the state or any government body or authority is required to deal with the claim.
– Pleasure-craft: There is no liability relating to the ownership, possession or use of any pleasure-craft
except for pleasure-craft liability under the Pleasure-craft section.
○ Liability relating to any employment, business or profession
– There is no liability cover arising from any employment, business or profession except for liability
covered under the Liability towards paying guests and Domestic employee’s liability benefits. This
does not apply if you have selected cover for:
▪ Business liability under the Personal Liability cover section.
▪ Extension of liability under the Motor cover section.
▪ Bed & Breakfast under the Household contents cover section.
○ Liability relating to property
– There is no liability cover relating to the ownership, possession or occupation of land or buildings,
except for buildings (including the land on which they are situated) used as your private residence that
are covered by your underlying policy.
– There is no cover for liability relating to you buying, selling or swapping any movable or immovable
property.
○ Liability relating to your actions
– We do not provide any cover if you were dishonest, malicious or if you physically assaulted another
person.
– We do not cover your liability if you recklessly ignored the consequences of what you were doing or
failing to do.
– We do not cover your liability if you agreed to accept, or already accepted, legal liability without first
getting our permission.
– We do not cover your liability arising from the failure to pay maintenance or alimony or any amounts
following a breach of promise.
– There is no cover for the purchase, sale or exchange of any property (movable or immovable), including
your failure to follow any obligations in relation to this.
– There is no cover for liability that arises purely from an agreement unless there would have been
liability without the contract being signed.
○ Liability towards certain people
– We do not cover liability between family members or people insured under this policy at the time of
the event that resulted in the claim.
▪ This means that we do not cover your liability relating to the death or bodily injury of a co-
insured (where applicable), or any member of your family whether they live with you or not.
▪ We also do not cover their liability relating to your death or bodily injury.
– There is no liability cover relating to the loss or damage of property belonging to you, a family member
(whether they live with you or not) or any person in your employ, or in the care, custody or control of
you or any other person covered by this policy.