Page 107 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 8 – Motor vehicle
○ What are accessories?
An accessory is an addition to your vehicle which does not enhance the performance or change the structure of
the vehicle.
– Factory-fitted accessories are those standard-issued items which are originally fitted by the manufacturer
of the vehicle.
– Optional vehicle accessories are those items which are chosen by you to be fitted by the manufacturer.
– Non-factory-fitted/after-market vehicle accessories are those items which are fitted to the vehicle where
the value of such items are not included in the retail value which are purchased separately post-manufacture
of the vehicle.
We provide automatic cover for non-factory-fitted/after-market accessories up to the limit stated in the schedule
at no additional cost.
Should you require additional cover for accessories which are not factory-fitted or optional vehicle accessories
included in the retail value of the vehicle we will list the accessories in your schedule and charge an additional
premium.
○ What are motor vehicle modifications?
Motor vehicle modifications are alterations made to the manufacturer’s standard body, engine, suspension,
wheels or paintwork of your vehicle which may affect its performance, value, safety or appearance. Examples of
modifications include modified:
– engines, for example increased capacity
– body shape and body kits
– performance exhaust systems
– suspension
– fuel systems, for example LPG
– performance-enhancing 'chips', for example Chipbox and Dustec.
Vehicle modifications are not automatically covered as part of your vehicle and you must tell us about them as this
may affect our decision to insure you. If we agree to insure vehicle modifications as part of your vehicle, we will
list the modification in your schedule. An extra premium and an additional vehicle excess may apply. If a vehicle
modification is not listed in your schedule, it is not covered.
Where we cover your motor vehicle
The Republic of South Africa, and temporarily when used in Botswana, Lesotho, Swaziland, Namibia, Mozambique,
Zimbabwe, Tanzania, Malawi, Kenya, Uganda and Zambia.
The permanent residential insured address of the insured vehicle must be in the Republic of South Africa.