Page 81 - Hollard Private Portfolio - Version 3.4

Personal liability
Limit of liability
The limit shown in your policy schedule is the maximum amount that we will pay for any claim under this benefit for any single claim, any series of claims from the same event, or all events during the period of insurance.
Territorial limits
You are covered for liability claims which are made against you anywhere in the world, except if the liability claim, award, settlement, court or enforcement order is made in the United States of America (USA), Canada or any other country which operates under the laws of the USA or Canada.
Exclusions
You must read these exclusions together with the General exclusions in the Understanding your policy section to make
sure you understand exactly what is not covered.
○ Fines, penalties, punitive damages and debt
– There is no cover for any fines, penalties or punitive damages imposed by law, or liability arising from
any debt.
○ If you have other insurance
– We do not cover your liability for loss or damage to property, if that liability is covered under any other
insurance policy.
○ Liability relating to aircraft, firearms, vehicles and Pleasure-craft
– Aircraft: There is no liability relating to the ownership, possession or use of any aircraft or unmanned aerial vehicles (UAV) or systems (UAS) such as drones. We do cover radio-controlled model aircraft, but only if it was used in terms of the rules and regulations set out by The South African Model Aircraft Association.
– Firearms: We do not cover the ownership, possession, use or handling of firearms or air guns.
– Vehicles: There is no cover for liability relating to the ownership, possession or use of any self-propelled
vehicle, scooter, three-wheeler, quad bike, caravan, trailer or golf cart, except for:
▪ Hobbyists’ models and toys, ride-on and motorised lawn mowers.
▪ Motorised equipment and wheelchairs covered under All Risks.
▪ The cover provided under What we cover: Motor liability.
– Legislation relating to vehicles: There is no cover for liability that is governed by a law that regulates the use of vehicles in the following instances:
▪ Where you must insure against the liability.
▪ If the state or any government body or authority is required to deal with the claim.
– Pleasure-craft: There is no liability relating to the ownership, possession or use of any pleasure-craft except for pleasure-craft liability under the Pleasure-craft section.
○ Liability relating to any employment, business or profession
– There is no liability cover arising from any employment, business or profession except for liability covered under the Liability towards paying guests and Domestic employee’s liability benefits. This does not apply if you have selected cover for:
▪ Business liability under the Personal Liability cover section.
▪ Extension of liability under the Motor cover section.
▪ Bed & Breakfast under the Household contents cover section.
○ Liability relating to property
– There is no liability cover relating to the ownership, possession or occupation of land or buildings, except for buildings (including the land on which they are situated) used as your private residence that are covered by your underlying policy.
– There is no cover for liability relating to you buying, selling or swapping any movable or immovable property.
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