Page 125 - Hollard - Private Portfolio Policy Wording

Motor – Third party, re and the
The of spare wheels
If your spare wheel is ed to the outside of your vehicle you must t a Hollard-approved wheel-lock to the spare wheel. If you do not, we will not pay more than the amount in the Schedule, and you will be responsible for the excess.
ADDITIONAL COVER YOU CAN CHOOSE
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.
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.
Keys, locks and remote controls
We will pay for the cost of replacing stolen keys, locks and remote controls, including call-out costs of a technician and the reprogramming of any coded alarm system, key or remote control. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
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.
Hollard Private Por olio 123