Page 106 - Hollard - Private Portfolio Policy Wording

Motor
○ Private and work
Private use (social, domes c, pleasure), as well as all travel to and from work
Note that for both categories the following are excluded:
Travel for business, commercial or professional purposes; ren ng the vehicle out; the carrying of passengers for nancial gain, whether on a fare-paying or hire basis; paid driving instruc on; the carrying of trade samples or goods; racing or speeding of any sort; driving on a course or racetrack, whether as part of an event or not; towing a vehicle for nancial gain; use while the vehicle is overloaded; or while in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair of the vehicle.
○ Private, work and business
Private use (social, domes c, pleasure), all travel to and from work, as well as travel for business or professional
purposes excluding travel for commercial purposes
Note that the following are excluded:
Ren ng the vehicle out; the carrying of passengers for nancial gain, whether on a fare-paying or hire basis; paid driving instruc on; the carrying of trade samples or goods; racing or speeding of any sort; driving on a course or racetrack, whether as part of an event or not; towing a vehicle for nancial gain; use while the vehicle is overloaded; use of motorcycles, scooters, three-wheeled vehicles, quad-bikes, trailers, caravans, motorised caravans or golf carts for business or commercial purposes; or while in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair of the vehicle.
Business travel or commercial travel?
When you use your vehicle for business such as visi ng clients without carrying tools, machinery and stock it quali es as business use.
You are allowed to carry small samples of the stock you trade in such as Tupperware, carpets or materials. If, however, you use your vehicle to load machinery (such as generators or lawnmowers), tools (such as for plumbing or carpentry etc.) or stock (such as copper pipes, wood, bricks, cement, etc.) for a job or project, then that is commercial travel and not covered under this policy. If your vehicle is available as an employee pool-car and can be used by mul ple drivers, it is commercial travel and not covered under this policy.
No carrying of explosives or hazardous goods
You may not, under any circumstances, use your vehicle to carry explosives or hazardous goods, unless it is for your own personal domes c use and you do not need a formal permit – for example, a gas cylinder for your stove or acid for your pool.
Typical examples of explosives and hazardous goods are nitroglycerine or dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste; and liquid petroleum.
No using your vehicle as a courier or transport contractor
You may not, under any circumstances, use your vehicle as a courier or transport contractor.
104 Hollard Private Por olio