Page 83 - Hollard Private Portfolio - Version 3.4

Personal liability
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.
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.
– Vehicle liability which is provided under the Motor cover section.
○ 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 section 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 covered under the Buildings section of this policy, and the land on which they are situated.
○ There is no cover for your liability related to building work, alterations, renovations or additions when you have hired a business to do the work.
○ There is no cover for liability relating to vibration or the removal or weakening of or interference with support to land, homes or other property.
○ We do not cover liability related to people squatting or occupying your land or building, or if you occupy someone else’s land or building.
Liability relating to your actions
○ We do not provide any cover if you were dishonest, malicious or if you physically assaulted another person.
○ We do not cover your liability if you recklessly ignored the consequences of what you were doing or failing to
do.
○ We do not cover your liability if you agreed to accept, or already accepted, legal liability without first getting our permission.
○ We do not cover your liability arising from the failure to pay maintenance or alimony or any amounts following a breach of promise.
○ There is no cover for the purchase, sale or exchange of any property (movable or immovable), including your failure to follow any obligations in relation to this.
Liability towards certain people
○ We do not cover your liability relating to the death of, or bodily injury to any employee.
○ We do not cover liability between family members or people insured under this policy at the time of the event that resulted in the claim. This means that we do not cover your liability relating to the death or bodily injury of a co-insured (where applicable), or any member of your family whether they live with you or not. We also do not cover their liability relating to your death or bodily injury.
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