Page 117 - Hollard Private Portfolio - Version 3.4

Motor
Comprehensive cover
WHAT WE COVER YOU FOR (INSURED EVENTS) All loss and damage covered
You are covered for accidental loss or damage to your vehicle from any accidental cause, as well as any resulting liability to third parties.
SAFEGUARDING YOUR VEHICLE
Towing and storage after an insured event
If your vehicle needs to be towed away following an insured event, we will cover the cost of the towing to and storage at the nearest repairer, in addition to the claim amount. The following conditions apply to this benefit.
○ Within South Africa – with our permission: If you call us and we arrange for your vehicle to be towed, we will cover the full cost of towing and storage.
○ Within South Africa – without our permission: If you arranged the towing yourself, without calling us first, the cost of towing and storage, as well as the cost of recovering the wreckage of your vehicle before towing, will be up to the limit shown in your policy schedule.
○ Outside South Africa: We will cover the cost of towing and storage up to the limit shown in your policy schedule. Please refer to How we handle claims in neighbouring countries (Repatriation) under the heading How much we pay in this cover section for more detail.
○ If you were towing a caravan or trailer at the time of the incident, we will also tow your caravan or trailer (weighing less than 3 500 kg), even if it is not insured with us.
○ If your caravan or trailer breaks down, we will arrange for towing of the caravan or trailer, even if it is not insured with us, as long as it was towed by your insured vehicle.
Towing after mechanical or electrical breakdown
○ Within South Africa
– With our permission: We will cover the cost of towing your vehicle because of mechanical or electrical breakdown up to the limit stated on your policy schedule on condition that:
▪ You ask us to arrange the towing, and
▪ Your vehicle is towed to a place of safety, repair or your home, whichever is the closest.
▪ In the event of your vehicle being towed after-hours, your vehicle will be stored in a safe place until office hours.
– Without our permission: Cover is up to the limit as shown in the policy schedule if you do not get our permission for your vehicle to be towed to a place of safety, repair or your home, whichever is the closest.
○ Outside the borders of South Africa: We will cover the cost of towing your vehicle because of mechanical or electrical breakdown up to the limit stated on your policy schedule on condition that:
– You need to arrange and pay for the towing yourself.
– Your vehicle is towed to a place of safety or repair, whichever is the closest.
– You need to give us a detailed invoice as part of your claim.
The limit stated in your policy schedule will apply and will differ depending on whether our permission was obtained prior to arranging the towing.
Example
You are travelling on the highway and smash into the car in front of you. We will pay for the damage to your car, as well as damage to the other car.
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