Page 108 - Hollard Private Portfolio - Version 3.4

Motor
○ Private and work
Private use (social, domestic, pleasure), as well as all travel to and from work.
○ Private, work and business
Private use (social, domestic, pleasure), all travel to and from work, as well as travel for business or professional
purposes excluding travel for commercial purposes.
If the use of the vehicle changes during the life of the policy, and you forget to update us of the new use, you will have to pay an additional excess, as shown in your policy schedule, in the following scenarios:
○ You told us that the vehicle use is Private and at time of claim the use is Private and work or Private, work and business.
○ You told us that the vehicle use is Private and work, and at time of claim the use is Private, work and business.
If you were dishonest or intentionally misrepresented the facts, your claim will be rejected.
Note that the following are excluded:
○ Renting the vehicle out;
○ Carrying passengers for financial gain, whether on a fare-paying or hire basis;
○ Paid driving instruction; carrying trade samples or goods;
○ Racing, speeding, motor sport, rally, time trial or while being tested in preparation for any motor sporting activity, or while being driven on a motor sporting circuit or track of any kind;
○ Use on recognised 4x4 off-road trails (these are named and registered off-road trails which you pay a fee to drive on) and while the driver is receiving off-road training instruction at any off-road training facility;
○ Driving on a motor sporting circuit or track of any kind, unless during an advanced driving course where all of the following apply;
– The driving course is accredited by the Advanced Driver Training Industry Board of South Africa (A.D.T.I.B of S.A).
– At the time of the accident, the driver is under instruction of the approved and accredited driving school instructor.
– The accident happens while the driver is following the instructions of the driving school instructor.
○ Towing a vehicle for financial gain;
○ Use while the vehicle is overloaded;
○ Use of motorcycles, scooters, three-wheeled vehicles, quad-bikes, motorised lawnmowers, trailers, caravans, motorised caravans or golf carts for business or commercial purposes;
○ Whilst in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair of the vehicle (for example – your vehicle is covered when at the auto repairer for repairs but it is not covered when at the motor dealer because you are selling it).
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.
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.
106 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023