Page 116 - Policy Wording - Hollard Prestige Portfolio

114 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 8 – Motor vehicle
What is not covered
○ Loss or damage caused by or resulting from any of the following:
– mechanical, electronic or electrical breakdown, failures or breakages
– gradual causes such as wear and tear, rust, mildew, corrosion or decay
– depreciation or diminution in value of the insured motor vehicle consequent upon it having sustained
damage while insured under this policy except if diminution in value is stated in the schedule
– damage to tyres by:
•
the application of brakes, or
•
any road surface damage causing punctures, cuts or bursts
– damage to tyres by braking, punctures, cuts or bursts
– damage to the motor vehicle caused by or attributable to its unroadworthy condition or lack of maintenance
– defective workmanship or repair to the motor vehicle or faulty or defective parts or components on the
motor vehicle
– confiscation
– loss or damage resulting from the actions of domestic pets – for example, scratching, biting, chewing,
tearing or soiling.
○ We will not pay for any loss or damage when you drive a damaged motor vehicle means any further loss or
damage to your vehicle caused by operating your motor vehicle after it was damaged in an incident.
○ Unlicensed driving: we will not pay for loss or damage to the motor vehicle while you or any person with your
express or implied consent drives or tows the vehicle:
– with no driver’s licence or learner’s licence. Learner drivers must be able to show that they were
accompanied by a licensed driver
– have been charged or convicted of reckless or negligent driving
– not correctly licensed or not complying with conditions of their licence
– not complying in terms of legislation applying to the territory in which the motor vehicle is being used.
○ We will not pay for loss, damage, injury or liability that arises when you are driving or towing your vehicle while:
– under the influence of intoxicating liquor or drugs
– the alcohol content in your blood exceeds the legal limit.
This is irrespective of the method used to determine the degree of intoxication – for example, a breathalyser test
or a blood test.
This also applies to any other person who may be driving or towing your vehicle with your permission.