Page 52 - Hollard Namibia – Motor & Household Policy Wording
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Vehicles
Key terms to understand
You
Third party
Write off
Regular driver
Commercial use
Includes yourself, your spouse and any members of your immediate family who normally reside with you, and are financially dependent on you
Someone other than yourself who is involved in an insured event – for example, the driver of another car who was involved in an accident with you
Your vehicle is so badly damaged that it cannot be repaired economically; or it has been stolen and not recovered
The person who drives or is in control or in possession of the vehicle most often or more frequently than any other person
Where your vehicle is used for reward, such as couriers, tow trucks, rental vehicles, carrying stock or -material.
How you may use your vehicle
This insurance policy clearly explains how you may use your vehicle in order for it to be covered. You may use your vehicle for any of the following purposes, regardless of the use stated in the SCHEDULE:
o Social-, domestic- and pleasure purposes, as well as all travel to and from your place of work;
o Professional and business related trips- for example, an attorney, doctor, plumber, representative or
electrician, but not someone like a building contractor carrying building material.
(Note that commercial use of the vehicle is not covered as well as any other use specifically excluded in the policy.)
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