Page 107 - Hollard - Private Portfolio Policy Wording

Motor
No carrying of fare-paying passengers
You are not permi ed to use your vehicle as a bus or taxi to carry fare-paying passengers.
If you do give other par es a li regularly, and they pay you, then that payment should be only for the actual expenses incurred; it should not include a pro t. In this case, the passengers will not be regarded as fare-paying. An example of such an arrangement is vehicle-sharing or car-pooling.
What is not covered
SPECIFIC EXCEPTIONS
Risks for your own expense
We do not cover you for loss or damage to your vehicle that results from the following risks:
○ deprecia on; wear and tear; gradually opera ng causes; mechanical, electrical or electronic breakdown, failure or breakage
○ damage to tyres by braking, punctures, cuts or bursts
○ the of your non-factory- ed vehicle spares or accessories for more than the cost of factory- ed accessories
of the same nature
○ loss or damage arising from the fact that your vehicle is unroadworthy, or hasn’t been maintained
○ loss or damage arising from the fact that your vehicle was defec vely designed or constructed
○ loss or damage resul ng from the ac ons of domes c pets – for example, scratching, bi ng, chewing, tearing or soiling.
Sea, airports and mines
We do not cover you for any loss or damage, injury or liability if your vehicle is:
○ transported by sea (other than between ports within South Africa)
○ driven on an avia on apron or runway
○ driven underground in a mine.
Driving under the in uence
There is no cover for loss, damage, injury or liability that arises when you are driving or towing your vehicle while:
○ under the in uence of intoxica ng liquor or drugs; or
○ the alcohol content in your blood exceeds the legal limit.
This is irrespec ve of the method used to determine the degree of intoxica on – for example, a breathalyser test or a
blood test.
This also applies to any other person who may be driving or towing your vehicle with your permission.
Hollard Private Por olio 105