Page 111 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 8 – Motor vehicle
○ How we handle claims in neighbouring countries
– If you have a valid claim, we may decide either to have the vehicle repaired in the country concerned, or
have you bring it back to South Africa for repairs.
– We will not pay for the following:
•
theft of parts or accessories while the vehicle is left unguarded at the scene of an accident
•
more than the amount in the schedule for towing costs and bringing the damaged vehicle back
to South Africa
•
any government-imposed duties, customs, charges or stamps
•
if the vehicle is a write-off and you do not bring it back to South Africa, we will deduct the value
of the salvage from your pay-out. The value of the salvage will be the amount we would have
received for it in South Africa. You will remain the owner of the salvage and be responsible for
complying with any local government requirements2
.
○ Emergency repairs are automatically covered up to the limit stated in the schedule if due to loss or damage
covered under this section. An itemised invoice is required for us to settle the claim.
○ Emergency hotel expenses
In the event of loss or damage to the insured vehicle occurring at a distance greater than 200 km from your
residence, we will pay emergency hotel expenses necessarily incurred, up to the limits stated in the schedule.
○ Imported parts mean the cost of air freighting and/or importing replacement parts and express delivery up to
the limit stated in the schedule. We will pay the amount equal to the part only. We are not responsible for the
costs which you may incur as result of delays in the delivery of the parts.
○ Locks and keys including anti-theft systems and remote control devices means costs necessarily incurred for loss
or damage and any necessary reprogramming of such devices, including where the insured has reason to believe
that an unauthorised person may be in possession of a duplicate device. The excess stated in the schedule applies
to this cover.
○ Medical benefit includes the following:
– We will pay you the medical benefit stated in the schedule for accidental bodily injury to any person in the
motor vehicle which occurs or arises as result of the accident.
– We will pay you the medical benefit stated in the schedule following hijack/attempted hijack for hospital
costs.
– We will pay you the medical benefit stated in the schedule for accidental bodily injury to any person in the
vehicle and involved in the incident.
2 Please note that when you cross the border into the neighbouring country, you usually sign an agreement on the temporary import permit stating
that you will remove the car from that country when returning to South Africa.