Page 111 - Hollard Private Portfolio - Version 3.4

Motor
○ Using it 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 or liquid petroleum.
○ 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 unless you have taken the optional 4X4 cover benefit.
○ Using it in connection with any performance tests, racing or speeding of any sort, trials or for performance demonstration purposes.
○ During any vehicle sporting activity, or while it is being tested for any vehicle sporting activity.
○ Using your vehicle outside of South Africa in a listed country for longer periods than those shown under the
heading Conditions of use of your vehicle.
○ Using your vehicle to give driving lessons for which you or the driver of the vehicle receive payment.
○ On a vehicle 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.
○ Using your motorcycle, scooter, three-wheeled vehicle, trailer, caravan or motorised caravan for business use.
○ Using your quad-bike on a public road.
○ Using your vehicle for commercial travelling or as a tool of trade, for example:
– Using your vehicle as a courier or delivery vehicle.
– Towing a vehicle for financial gain.
– Renting out your vehicle for use by others.
– Using your vehicle to carry passengers for reward, such as a taxi (including ride-hailing services) or limousine.
Your specific responsibilities
In addition to your responsibilities set out in the Your responsibilities in the General term and conditions section, you have extra responsibilities that specifically apply to your Motor cover section.
Check your security
You must read your policy schedule to know what your security requirements are.
○ We may specify the type of tracking device to be installed in your vehicle, which may be an early-warning device. An early-warning tracking device is one that can automatically alert the tracking company.
○ You will not have any theft or hijacking cover if a security device is a condition of cover noted in your policy schedule and you do not have it installed.
This exclusion does not apply to car-pooling or lift clubs
Car-pooling means when you are carrying passengers and the passengers are contributing towards the running cost of the vehicle in a lift club and there is no element of profit or monetary gain for the driver or owner of the vehicle.
○ Using your vehicle to carry out your trade, such as plumbers, electricians, builders, garden services, farmers, etc.
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