Page 108 - Hollard - Private Portfolio Policy Wording

The following instances of liability
Although we do cover you for general liability towards third par es, this does not include the following speci c cases:
○ compensa on payable by any compulsory motor-vehicle insurance legisla on
○ death of, or bodily injury to:
– a member of your family who usually resides with you
– any person being carried in a vehicle, a trailer or caravan, or on the pillion of any motorcycle, scooter, three-wheeled vehicle, quad bike or in a golf cart
– any person on or ge ng in or out of a motorcycle, scooter, golf cart, three-wheeled vehicle or quad- bike
– an employee, other than domes c sta of you or your family, who is killed or injured in the course of their employment
– any person who has the right to claim from the Road Accident Fund Act, 56 of 1996, or any similar legislated fund, regardless of whether it is nancially able to pay the compensa on that is being sought
– any person, arising directly from the fact that your vehicle is unroadworthy
○ damage to property belonging to your family or that is in your custody or held in trust
○ damage or loss arising directly from the fact that your vehicle is unroadworthy or not maintained
○ damage to property carried in your vehicle, or any trailer or caravan a ached to it.
Your speci c responsibili es
We could reject your claim
Some of the terms below require speci c ac on on your part. In such cases, you must do what is asked of you, or you may nd that your claim is rejected.
Check your security/immobiliser
If an immobiliser is a requirement you must be able to prove to us in the event of a claim that an approved immobilising device required by us:
○ was already installed at the me of the event, and was ac vated and working.
Check your Schedule now to see whether an immobilising device is a requirement.
Be aware of the limits of indemnity
If more than one person is en tled to indemnity, any limita on applies to the total amount, and you will be given priority.
In other words, you will be paid out rst, according to your limit, even if it means that the other person gets less than they are en tled to.
Unauthorised use of your vehicle
If anyone uses your vehicle without your knowledge or consent, you must lay a criminal charge against them within 48 hours. You may not withdraw the charge, even if your vehicle is later returned to you, unless you withdraw the claim.
Motor
106 Hollard Private Por olio