Page 82 - Hollard Private Portfolio - Version 3.3

Unauthorised or non-legal costs
○ any costs by attorneys other than our preferred attorneys appointed by us
○ any costs not specifically authorised by us
○ any costs that do not appear on our tariffs
○ any non-legal costs
Professional sports
○ professional sports of any description State security
○ any act aimed at overthrowing the government or threatening its safety Violence, dishonesty or immorality
○ any act or omission where we reasonably believe there is an element of violence, dishonesty or immorality. Vehicles
We do not cover legal costs or expenses incurred in any legal matter relating to the following:
○ any accident involving a vehicle, aircraft or watercraft while it is being used for racing
○ any vehicle accident in the following cases when you are accused of:
– your vehicle not being roadworthy
– your vehicle not being legally licensed
– not having a valid driver’s licence
– being under the influence of intoxicating liquor or drugs, or 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).
The scenarios outlined above also apply to any other person who may be driving or towing your vehicle with your permission.
Despite the exclusions listed above, we may, at our discretion and depending on the circumstances, examine the merits of a claim and decide to pay out.
Your specific responsibilities
Report claims immediately
As soon as you become aware of the theft of your identity or any other claim, you must take all necessary steps to limit the damage. Tell us right away, report it to the police, alert your creditors and follow the advice given to you by your legal advisers.
Use our preferred legal adviser
We strongly recommend that you use our preferred legal advisers. However, if we agree you may use your own legal advisers, you are responsible for any differences in the fees charged.
Act in time
You must avoid delays by giving timely and appropriate instructions to the legal advisers. If not, your claim may be rejected.
Listen to your legal advisers
You must follow the professional advice given to you by the legal advisers, or your claim may be rejected.
Use the Small Claims court where appropriate
If a claim is within the jurisdiction of the Small Claims court, it must be heard there.
Legal costs
80 Hollard Private Portfolio – Version 3.3 – 9 Feb 2023