Page 114 - Hollard Private Portfolio - Version 3.4

Motor
Windscreen, fitted glass and lights
We will repair or replace the accidentally damaged glass in any fitted windows and lights of your vehicle. Fitted windows include the windscreen, rear and side windows. Lights include the head-, tail-, and spotlights. The following conditions apply to this benefit:
○ We will not limit the amount we will pay if you contact us and we arrange for the repair or replacement with our approved service provider.
○ If you do not contact us before the repair or replacement, we will only pay up to the limit shown in your policy schedule.
○ There is an excess that applies if you choose non-generic glass. This benefit does not apply to sunroofs (including panoramic sunroofs).
You always pay the first amount, or excess
You will always have to pay the first part of any claim settlement. This is known as the excess, and is listed in your policy schedule.
Your bank may take part of your pay-out
If you are financing your vehicle with a bank or authorised credit provider, be aware of the fact that they are entitled to use your insurance pay-out for a write-off to settle any money that you still owe them, if they feel that this is the only way to recover the money. This is a standard clause in the contract that you signed with them when you purchased your vehicle.
How we handle claims in neighbouring countries (Repatriation)
○ if you have a valid claim, we may decide either to have the vehicle repaired in the country concerned, or have you bring it back to South Africa for repairs
○ we will not pay for the following:
– theft of parts or accessories while the vehicle is left unguarded at the scene of an accident
– more than the amount in your policy schedule for towing costs and bringing the damaged vehicle back to South Africa
– any government-imposed duties, customs, charges or stamps
– if the vehicle is a write-off and you do not bring it back to South Africa, we will deduct the value of the salvage from your pay-out. The value of the salvage will be the amount we would have received for it in South Africa. You will remain the owner of the salvage and be responsible for complying with any local government requirements2.
Example
If you successfully claim R10 000 for the repair of your vehicle, and the excess for that claim is R1 000, the net pay-out from us will be R9 000.
2 Please note that when you cross the border into the neighbouring country, you usually sign an agreement on the temporary import permit stating that you will remove the car from that country when returning to South Africa.
112 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023