Page 109 - Hollard Private Portfolio - Version 3.4

Motor
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.
Where we cover your vehicle
We will cover your vehicle within the borders of South Africa and while you are travelling in the following countries: Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, eSwatini, Tanzania, Uganda, Zambia and Zimbabwe. The following conditions apply:
○ We will cover you for a total of 90 days per year while you are travelling outside of South Africa in the abovementioned countries.
○ Your cover outside of South Africa also includes cover for third party liability, but certain countries are excluded and there are special conditions as explained under the Third party liability cover heading.
Who may drive your vehicle
○ The regular driver, as noted in your policy schedule, and other people who use the vehicle from time to time,
are allowed to drive the vehicle.
What is not covered
We do not cover any claims for loss, damage or liability directly caused by, or related to, any of these exclusions. You must read these exclusions together with the General exclusions in the Understanding your policy section to make sure you understand exactly what is not covered. These are not all the instances where we do not provide cover. The cover described in this section may have exclusions mentioned in the description of the cover.
Accessories
There is no cover for accessories that are:
○ Not included in the insured value of your vehicle.
○ Over the limit of the included Aftermarket accessories and equipment cover unless they have been specified and are listed in the schedule.
○ There is also no cover for theft of accessories without signs of force or violence.
○ Theft of parts or accessories while the vehicle is left unguarded at the scene of an accident, unless leaving the
vehicle unguarded is out of your control.
Alcohol, drugs and driver behaviour
There is no cover while your vehicle is driven or being towed in any of the following instances:
○ The driver is under the influence of alcohol, or the alcohol content in the driver’s body exceeds the legal limit.
○ The driver is under the influence of drugs or medication, unless they are prescribed by a doctor and are taken in the correct dosage.
○ The driver refuses to submit to any test to determine the level of alcohol or drugs in their body, such as blood, urine or breathalyser tests.
○ The driver leaves the scene of the accident unreasonably or unlawfully.
○ The driver exposes the vehicle to situations that clearly have a high risk of loss or damage, for example making
a U-turn on a highway or driving at an excessive speed.
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