Page 120 - Hollard - Private Portfolio Policy Wording

Motor – Comprehensive cover
Check your Schedule
The cover in this sec on applies only if you have speci cally asked for it to be included as part of your policy. If you are unsure, please check your Schedule.
Caravan, motorised caravan and trailer contents – increased cover
Accidental loss and damage covered
We will pay for accidental loss or damage to your caravan/motorised caravan and trailer contents from any accidental cause.
If your contents are stolen from your unoccupied trailer, caravan, motorised caravan or side tent, there must be clear signs of forced entry or exit. Caravan/motorised caravan or trailer contents do not include permanent ngs of the caravan/motorised caravan or trailer.
We will not pay for loss or damage caused by the dishonesty of any person using your caravan/motorised caravan or trailer.
This cover is addi onal and applies if the limited cover is not enough to replace your caravan/motorised caravan or trailer contents.
Car hire
We will arrange a manual rental car with air-condi oning on your behalf if your vehicle, excluding a quad-bike, golf cart, trailer or caravan is damaged or stolen. If you have chosen another op on it will be stated in the Schedule. The rental will be on an unlimited-mileage basis, excluding the cost of fuel, lubricants or maintenance, and subject to the standard condi ons of the rental company.
If you are injured as result of an accident and unable to drive your vehicle, we will pay you the daily limit stated in the Schedule, to use for transport costs such as private taxis. If you make use of this daily limit you will not be en tled to a rental car as well.
The rental or use of the daily limit must start within 21 days a er a the , or 10 days a er an accident unless agreed by us. It will end one day a er your vehicle is repaired, replaced, or we have paid you.
The rental will not exceed the period stated in the Schedule.
Extension of liability
You are already covered for liability to third par es, as explained earlier. However, here we extend that cover to include not just you, but any organisa on of which you are a director, a partner, a member of a close corpora on or a sole proprietor. This is on condi on that the organisa on is not involved in the hiring of vehicles or the carrying of fare-paying passengers.
Note, too, that this extended cover does not apply to any loss or damage that is insured under any other policy – or would be but for the existence of this extended cover.
In all cases, this extended cover is only ever valid if the vehicle is being used in accordance with the condi ons of use, as described, applicable to the speci c vehicle.
Make sure you are fully aware of the terms and condi ons of the rental contract you sign with the rental company to avoid not having cover in the event of loss or damage.
118 Hollard Private Por olio