Page 94 - Hollard - Private Portfolio Policy Wording

Vehicles
We do not cover legal costs or expenses incurred in any legal ma er rela ng to the following:
○ any accident involving a vehicle, aircra or watercra while it is being used for racing
○ any vehicle accident in the following cases when you are accused of:
– your vehicle not being roadworthy
– your vehicle not being legally licensed
– not having a valid driver’s licence
– being 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).
The scenarios outlined above also apply to any other person who may be driving or towing your vehicle with your permission.
Despite the exclusions listed above, we may, at our discre on and depending on the circumstances, examine the merits of a claim and decide to pay out.
Your speci c responsibili es
Report claims immediately
As soon as you become aware of the the of your iden ty or any other claim, you must take all necessary steps to limit the damage. Tell us right away, report it to the police, alert your creditors and follow the advice given to you by your legal advisers.
Use our preferred legal adviser
We strongly recommend that you use our preferred legal advisers. However, if we agree you may use your own legal advisers, you are responsible for any di erences in the fees charged.
Act in me
You must avoid delays by giving mely and appropriate instruc ons to the legal advisers. If not, your claim may be rejected.
Listen to your legal advisers
You must follow the professional advice given to you by the legal advisers, or your claim may be rejected.
Use the Small Claims court where appropriate
If a claim is within the jurisdic on of the Small Claims court, it must be heard there.
Legal costs
92 Hollard Private Por olio