Page 66 - Hollard Private Portfolio - Version 3.3

Limit of liability
The limit shown in the policy schedule is the maximum amount that we will pay for any claim under this benefit for any single claim, any series of claims from the same event, or all events during the period of insurance.
Territorial limits
You are covered for liability claims which are made against you anywhere in the world, except if the liability claim, award, settlement, court or enforcement order is made in the United States of America (USA), Canada or any other country which operates under the laws of the USA or Canada.
Exclusions
We will not pay a claim for liability that was caused by, or related to any of the following Specific exclusions:
○ Your employment, business or profession: Including if you sell anything or provide any type of service for payment unless you have selected:
– Business liability cover under the Personal Liability section.
– Extension of liability cover under the Motor section.
– Bed & Breakfast cover under the Household contents section.
○ Hiring, leasing or borrowing of your property: We do no cover any of your movable or immovable property hired, leased or borrowed for money or any other benefit unless it is a building or structure, including the land on which is situated, used as a private residence covered by the underlying policy.
○ Buying, selling or swapping any movable or immovable property. This includes cash or credit sale agreements, theft under false pretences, fraud and any resultant liability.
○ Reckless disregard of the possible consequences of what you were doing or failing to do.
○ Failure to pay maintenance or alimony or any amount following a breach of promise.
○ Dishonest, fraudulent or malicious acts, physical assault or seduction: We do not cover liability arising from acts of dishonesty, fraud or malice, physical assault or seduction that you commit.
○ Debt: We do not cover any debt.
○ Property covered under any other insurance policy, with the exception of the underlying policy.
○ The use of unmanned aerial vehicles (UAV) or systems (UAS) such as drones. We do cover radio-controlled model aircraft, as long as it is used in terms of the rules and regulations set out by The South African Model Aircraft Association.
○ HIV (Human Immunodeficiency Virus) or any related illness: This includes Acquired Immune Deficiency Syndrome) or any mutant derivate or variation thereof.
○ Loss or damage to any self-propelled vehicles, trailers, caravans, aircraft, watercrafts under your care, custody or control.
○ Motor liability unless the liability is either:
– Covered by an underlying policy.
– Excluded by an underlying policy because the claim event took place in a country where the underlying policy does not apply.
○ Motor liability related to a law that controls the use of motor vehicles or trailers if:
– By law you must insure the motor vehicle or trailer against the liability.
– The state or any government body or authority accepts liability for the claim.
○ Watercraft liability unless the liability is either:
– Covered by an underlying policy.
– Excluded by an underlying policy because the claim event took place in a country where the underlying
policy does not apply.
This is on condition that the total length of the watercraft does not exceed 10.5 metres.
Personal liability
64 Hollard Private Portfolio – Version 3.3 – 9 Feb 2023