Page 120 - Policy Wording - Hollard Prestige Portfolio

118 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 8 – Motor vehicle
Our rights
We are entitled to arrange for:
○ representation at any legal autopsy or inquest relating to any death
○ the defence in respect of any action which is the cause of or related to any occurrence.
What is not covered
○ Liability due to death or bodily injury to you or any member of your household or family.
○ Liability due to death or bodily injury to any person in your employment, if the liability arises out of the course of
such employment.
○ Liability while the motor vehicle is being driven or used by you or any person with your consent and knowledge
while under the influence of alcohol or drugs.
○ Liability while the motor vehicle is being driven or used by you or any person with your consent and knowledge
without a valid driver’s licence.
○ Liability due to accidental loss or damage to property belonging to you or a member of your household or which
is in your custody and control or held in trust.
○ Liability due to accidental death of or bodily injury to a person carried in a motor vehicle, caravan or trailer, light
delivery vehicle or on the pillion of any motorcycle, scooter, three-wheeled vehicle, quad bike or in a golf cart.
○ Liability due to any person on or getting in or out of a motorcycle, scooter, golf cart, three-wheeled vehicle or
quad-bike.
○ Liability for death of or bodily injury to any person, arising directly from the fact that your vehicle is unroadworthy.
○ Liability or loss arising directly from the fact that your motor vehicle is unroadworthy or not maintained.
○ Liability for damage to property carried in your vehicle, or any trailer or caravan attached to it.
○ Liability due to accidental loss of or damage to other vehicles being towed.
○ Liability due to accidental death of or injury to any person carried in a towed vehicle.
○ Liability which arises if an insured or other vehicle is used for any purpose other than that stated in the schedule.
○ Liability as a result of other drivers where there is indemnity under another policy.
○ Liability as a result of other drivers, where the other driver has been refused vehicle insurance.
○ Liability arising from the operation, demonstration or use of any tool of trade attached to the vehicle (for purposes
other than maintenance or repair of the vehicle) or anything manufactured by or contained in the tool.