Page 124 - Hollard - Private Portfolio Policy Wording

Motor – Third party, re and the
WHAT WE COVER YOU FOR (INSURED EVENTS)
Third party, re and the
You are covered for accidental loss or damage to the insured vehicle caused by re and the , as well as any resul ng liability to third par es.
SAFEGUARDING YOUR VEHICLE
Towing your vehicle to a place of safety
Fire or the
If your vehicle is immobilised and cannot be driven or towed away as a result of re or a empted the , we will pay for it to be towed to a place of safety. We will also pay for any emergency repairs you authorised enabling you to con nue on your journey, but you must obtain a detailed quota on rst as well as an itemised invoice.
This must not exceed the limit in the Schedule.
Breakdown
If your vehicle is immobilised as a result of a mechanical or electrical breakdown, we will pay for it to be towed to a place of safety. We will pay this only once every 12 months, up to the limit in the Schedule.
WE ALSO COVER YOU FOR
We also cover you for the events listed below, but only up to the limits in the Schedule.
Non-manufacturer accessories and equipment
If your vehicle is ed with accessories and equipment that were not originally ed by the manufacturer we will not pay more than the limit stated in the Schedule.
Check your Schedule now to see if this limited cover is likely to be su cient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us to cover your non-factory ed accessories.
Riot and strike cover outside South Africa and Namibia
We cover you for certain events under the Motor, All Risks and Accidental damage sec ons not covered by SASRIA, but only in Botswana, Lesotho, Swaziland, Malawi, Mozambique, Zambia and Zimbabwe.
We cover you for loss or damage caused by:
○ civil commo on, labour disturbance, riot, strike or lockout and
○ the act of any lawfully cons tuted authority in controlling, preven ng, suppressing or in any other way dealing
with it.
We do not cover loss or damage:
Example
If you are travelling on the highway and smash into the car in front of you, we will pay only for damage to the other car; that’s because the damage to your vehicle is not caused by re or the .
However, if your vehicle is stolen from a shopping centre, we will pay for the loss because it is caused by the .
○ ○
for any work, process or opera on that is interrupted or delayed
caused by permanent or temporary dispossession as a result of con sca on, commandeering or requisi on by a lawfully cons tuted authority.
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Hollard Private Por olio