Page 127 - Hollard Private Portfolio - Version 3.4

Motor
Third party, fire and theft
WHAT WE COVER YOU FOR (INSURED EVENTS) Third party, fire and theft
You are covered for accidental loss or damage to the insured vehicle caused by fire and theft, as well as any resulting liability to third parties.
SAFEGUARDING YOUR VEHICLE
Towing your vehicle to a place of safety
Fire or theft
If your vehicle is immobilised and cannot be driven or towed away as a result of fire or attempted theft, we will pay for it to be towed to a place of safety. We will also pay for any emergency repairs you authorised enabling you to continue on your journey, but you must obtain a detailed quotation first as well as an itemised invoice.
This must not exceed the limit stated in your policy schedule.
Breakdown
If your vehicle is immobilised as a result of a mechanical or electrical breakdown, we will pay for it to be towed to a place of safety. We will pay this only once every 12 months, up to the limit stated in your policy schedule.
WE ALSO COVER YOU FOR
We also cover you for the events listed below, but only up to the limits stated in your policy schedule.
Aftermarket accessories and equipment
Will not pay more than the limit stated in your policy schedule for loss or damage to aftermarket accessories and equipment (excluding sound equipment).
Check your policy schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us to specify your aftermarket accessories.
Theft of spare wheels
We will cover the theft of the spare wheel fitted to the outside of your vehicle up to the amount shown in your policy schedule, on condition that:
○ You have a factory- fitted or Vesa-approved wheel-lock to the spare wheel. If you do not have the required wheel-lock fitted to your vehicle, an excess will apply.
○ The spare wheel must have been forcibly or violently removed from your vehicle. Trauma counselling
We will pay the benefit for prescribed professional counselling if you are the victim of a violent act of theft, attempted theft, hold-up or hijacking.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
Example
If you are travelling on the highway and smash into the car in front of you, we will pay only for damage to the other car; that is because the damage to your vehicle is not caused by fire or theft.
However, if your vehicle is stolen from a shopping centre, we will pay for the loss because it is caused by theft.
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