Page 110 - Hollard Private Portfolio - Version 3.4

Motor
For the purposes of this exclusion, driver means any of the following people:
○ The regular driver or a permanent member of the household.
○ Any other person driving your vehicle with the permission of the following people:
– You or the regular driver.
– An adult of your household. Custody of the motor trade
There is no cover while your vehicle is in the custody and control of the motor trade for any reason except if:
○ Your vehicle is a vintage vehicle.
○ It is for the valuation purposes or the overhaul, service or repair of your vehicle.
You are not covered if your vehicle is stolen while it is parked at a dealer who is selling it on your behalf.
Damage to tyres
There is no cover for loss of or damage to your vehicle’s tyres caused by:
○ Braking, punctures, cuts or bursts while driving, unless the rim or another part of your vehicle is damaged in the same event.
○ Intentional or malicious damage by the regular driver, restricted driver or by a member of your immediate family.
Permanent fixtures and fittings of trailers and caravans
We do not cover loss or damage to permanent fixtures and fittings inside of a trailer or caravan caused by theft or attempted theft when it is unoccupied or unattended for more than 48 hours and there is no evidence of violent or forcible entry into the trailer or caravan.
Pre-existing damage
There is no cover for the cost to repair any pre-existing or old damage, faulty workmanship or incomplete repairs that were in existence prior to a claim event.
Resultant loss or damage
We do not cover any resultant loss or damage that is caused because the driver continued to drive the vehicle after a claim 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 as explained in the included Transit cover)
○ driven on an aviation apron or runway
○ driven underground in a mine.
Unroadworthy vehicles
There is no cover for loss or damage caused directly because your vehicle does not meet the roadworthy requirements of the applicable National Road Traffic Act.
Uses of your vehicle
There is no cover for loss or damage while using your vehicle in any of the following instances:
Example: Tyres that are below the legal thread limit impacts the distance before your vehicle comes to a complete stop in wet road conditions. If you are in an accident and our investigation show that the accident could have been prevented if your vehicle’s tyres were within the legal thread limit, we will reject your claim.
○ ○
Using it to carry or tow a load that is greater than what it is designed or licensed for.
Using it to carry passengers, the number of which are greater than the number of passengers the vehicle is licensed to carry.
108
Hollard Private Portfolio – Version 3.4 – 17 Aug 2023