Page 104 - Hollard Private Portfolio - Version 3.4

Personal accident
Consequential loss
We do not cover further loss or damage that you may suffer as a consequence of an event that is covered under this policy. Consequential loss is not directly caused by an event covered under this policy, but is an indirect consequence of the event.
Domestic employees in motor vehicle accidents
We do not cover domestic employees for death, disability or bodily injury resulting from a motor vehicle accident, unless the vehicle was driven in the course of their employment.
Insured person’s actions cause death, disability or bodily injury
There is no cover if an insured person’s death or disability is directly or indirectly caused by any of the following:
○ Criminal activities
An insured person’s participation in any criminal activity.
○ Dangerous activities or occupations
If an insured person participates in any of the following:
– any kind of racing, speed tests or endurance tests (other than on foot)
– any contact sports
– big-game hunting
– mountaineering where the use of ropes or a guide is necessary
– a crewman on a ship or oil-rig
– underground mining and tunnelling
– the manufacture of ammunition and the refining of petroleum.
○ Irresponsible actions
If an insured person does any of the following:
– Deliberately or recklessly exposes themselves to the risks and events that led to the claim, except where an insured person attempts to save a human life.
– Attempts or commits suicide or deliberately inflicts injury on themselves.
– Refuses to seek and follow reasonable medical advice or treatment.
– Drives while under the influence of alcohol, or where the alcohol content in an insured person’s body exceeds the legal limit.
– Takes poison or is under the influence of drugs or medication, unless the medication was prescribed by a medical practitioner and taken in the correct dosage.
○ Military or police activities
If an insured person is in active service with the defence force, police services or correctional services.
○ Professional sports
If an insured person participates in a professional capacity in any sports and/or entertainment.
○ Warlike activities
Nuclear, biological and chemical warfare or sabotage, or if an insured person actively takes part in any of the following:
For example, if your car is in an accident on the way to the airport, we will cover you for the damaged car (if insured under this policy). We will not pay for any loss you may suffer because you missed your flight.
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War, invasion, rebellion, revolution, uprising, riot, civil commotion, strike, or the seizing of power. Labour disturbance, including a riot, commotion or other form of public disorder in the workplace.