Page 92 - Hollard Private Portfolio - Version 3.3

No carrying of explosives or hazardous goods
You may not, under any circumstances, use your vehicle to carry explosives or hazardous goods, unless it is for your own personal domestic use and you do not need a formal permit – for example, a gas cylinder for your stove or acid for your pool.
Typical examples of explosives and hazardous goods are nitroglycerine or dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste; and liquid petroleum.
No using your vehicle as a courier or transport contractor
You may not, under any circumstances, use your vehicle as a courier or transport contractor.
No carrying of fare-paying passengers
You are not permitted to use your vehicle as a bus or taxi to carry fare-paying passengers.
If you do give other parties a lift regularly, and they pay you, then that payment should be only for the actual expenses incurred; it should not include a profit. In this case, the passengers will not be regarded as fare-paying. An example of such an arrangement is vehicle-sharing or car-pooling.
What is not covered
SPECIFIC EXCLUSIONS
Risks for your own expense
We do not cover you for loss or damage to your vehicle that results from the following risks:
○ depreciation; wear and tear; gradually operating causes; mechanical, electrical or electronic breakdown, failure or breakage
○ damage to tyres caused by braking, punctures, cuts or bursts, unless some other part of the vehicle is damaged at the same time
○ theft of your vehicle spares or aftermarket accessories for more than the cost of factory-fitted accessories of the same nature unless specified in the Schedule
○ loss or damage arising from the fact that your vehicle is unroadworthy, or has not been maintained
○ loss or damage arising from the fact that your vehicle was defectively designed or constructed
○ any resultant loss or damage that was caused because you continued to drive your car after an insured event.
Sea, airports and mines
We do not cover you for any loss or damage, injury or liability if your vehicle is:
○ transported by sea (other than between ports within South Africa)
○ driven on an aviation apron or runway
○ driven underground in a mine.
Motor
Business travel or commercial travel?
When you use your vehicle for business such as visiting clients without carrying tools, machinery and stock it qualifies as business use.
You are allowed to carry small samples of the stock you trade in such as Tupperware, carpets or materials. If, however, you use your vehicle to load machinery (such as generators or lawnmowers), tools (such as for plumbing or carpentry etc.) or stock (such as copper pipes, wood, bricks, cement, etc.) for a job or project, then that is commercial travel and not covered under this policy. If your vehicle is available as an employee pool-car and can be used by multiple drivers, it is commercial travel and not covered under this policy.
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Hollard Private Portfolio – Version 3.3 – 9 Feb 2023