Page 110 - Policy Wording - Hollard Prestige Portfolio

108 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 8 – Motor vehicle
– towing a vehicle for financial gain
– use while in the custody and control of the motor trade for any purpose other than the overhaul, upkeep
or repair of the vehicle
– overloading your vehicle and/or any use outside the relevant manufacturers specifications of vehicle and/
or accessories
– business or commercial purposes of motorcycles, scooters, three-wheeled vehicles, quad-bikes, trailers,
caravans, motorised caravans or golf carts
– carriage of commercial goods in or on a goods-carrying vehicle
– quad-bikes while being driven on a public road.
– You may not, under any circumstances, use your vehicle to carry explosives or hazardous goods, unless it is
for your own personal domestic use and you do not need a formal permit – for example, a gas cylinder for
your stove or acid for your pool. Typical examples of explosives and hazardous goods are nitro-glycerine or
dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste and liquid petroleum.
– You may not, under any circumstances, use your vehicle as a courier or transport contractor.
○ Reduced pay-out for Code 3 or SAPVIN vehicles
If your vehicle is classified on eNaTIS1 as a Code 3 vehicle or SAPVIN, and it is written off or stolen, we may reduce
your pay-out by up to the limit stated in the schedule.
A Code 3 vehicle is a new or used motor vehicle that has been rebuilt after sustaining damage in an accident or
incident. Even though it is roadworthy and complies with all relevant legislation, it always carries a Code 3 rating.
A SAPVIN (SA Police Vehicle Identification Number) code vehicle can be allocated only by the Police when a
vehicle’s VIN number has been tampered with. The VIN number usually starts with AAPV.
Additional cover
When we accept a claim under your policy for an insured cause that happens during the period of insurance, you are
also entitled to the additional cover. Additional cover is limited to the amount stated in the schedule. The excess in
the schedule applies if stated below.
○ Auto glass means if the glass in the windscreen, windows, head, tail, or spotlights or sunroof is damaged we will
pay for its replacement or repair. Payment, replacement or repair of auto glass only will not affect your no-claim
discount. The excess stated in the schedule applies to this cover.
○ Clean up and removal of debris of the wreckage of your motor vehicle following the damage to such motor
vehicle will be limited to the amount stated in the schedule.
1 eNaTIS (Electronic National Traffic Information System) is the motor-vehicle registration system of the National Department of Transport.