Page 74 - Hollard Namibia – Motor & Household Policy Wording

Personal Liability
Land and buildings
You are not covered for liability arising out of the ownership of any land or buildings, unless they are insured under the Buildings Section of this policy, and the land is used for residential purposes.
Letting of property
We do not cover liability arising from the letting or renting of any property (whether movable or immovable) for monetary reward.
Use and ownership of vehicles
You are not covered for liability arising from your ownership or use of motor vehicles, quad-bikes, scooters or three- wheeled vehicles, motorcycles, golf carts, and aircraft or pleasure-craft (other than model aircraft, surfboards and paddle- ski's). This also applies if the above vehicles are used by, or are in the custody of, your domestic staff.
Death or bodily injury to employees or family
We do not cover liability for death of, or bodily injury, to you or any member of your family, or any employee arising out of their employment by you.
Loss or damage to property
We do not cover you for loss or damage to property that:
o belongs to you, your family or your employee;
o is in your custody and control;
o is in the custody and control of your directors, members, trustees or beneficiaries, or members of their families who usually reside with them, if you are a company, close corporation or trust;
o is covered under some other insurance policy.
No cover during structural alterations
We do not cover you for liability that arises out of loss or damage to property, when your home or outbuildings are being structurally altered and the loss or damage is caused by these alterations.
Fraud, assault, reckless disregard
You are not covered for liability that arises out of:
o dishonest, fraudulent or malicious acts by you;
o physical assault committed by you;
o the reckless disregard by you of the possible consequences of your actions or omissions.
Your specific responsibilities
No promises or payments without our consent
You must take all reasonable steps to ensure that you do not make any admission, offer, promise or payment in relation to a claim without our written consent.
Tell us right away of claims
If you have reason to believe that a recent event may lead to a liability claim against you – perhaps years later – you must inform us immediately.
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