Page 118 - Policy Wording - Hollard Prestige Portfolio

116 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 8 – Motor vehicle
B. VEHICLE LIABILITY
Specific definitions for this section
○ What we cover as your motor vehicle
Your motor vehicle is described in your schedule. It will either be a motor car, motorcycle, caravan or trailer, golf
cart, light delivery vehicle, sport utility vehicle or kombi/microbus/minibus (or similar vehicle) and vintage vehicle
designed or adapted to carry not more than 12 occupants (including the driver), or a station wagon or motorised
caravan, not exceeding 3 500 kg in gross vehicle mass.
○ Insured cause means an incident that leads to:
– death or bodily injury to another person, but only if the driver can be held legally liable in terms of the
applicable legislation at the time of the incident
– accidental physical loss of, or damage to tangible property
– legal costs and expenses which a claimant can recover in connection with a valid claim and with our consent.
○ Other vehicle means any vehicle not insured by this policy or not owned, being purchased, leased or hired by you.
Where are you covered
The Republic of South Africa and temporary use in Botswana, Lesotho, Swaziland, Namibia, Kenya, Mozambique, Uganda
and Zimbabwe.
What is covered
○ The amount you become legally liable to pay another person for loss or damage to their property in the period
of insurance. The maximum amount we will pay for any one incident is stated in the schedule. Liability directly or
indirectly caused by fire or explosion is limited to the amount stated in the schedule.
○ We will pay up to the limit stated in the schedule to cover you or anyone you authorise to drive your vehicle, for
legal liability to pay for damage to another person’s property resulting from an incident caused by the use of your
motor vehicle during the period of insurance. The cover also includes:
– your legal liability for the cost of cleaning up by emergency services after an incident involving your motor
vehicle
– claims for damage to another vehicle or property because a vehicle collided with or tried to avoid colliding
with:
•
property falling from your motor vehicle, or
•
property being loaded or unloaded from your motor vehicle.