Page 89 - Hollard Namibia – Motor & Household Policy Wording

Extended liability
What is not covered
This insurance excludes any liability:
o for any judgment, award, payment or settlement made within countries which operate under the laws of the United States of America or Canada (or for any order made anywhere in the world to enforce such a judgment, award or settlement either in whole or in part);
o arising out of and in the course of your employment, business or profession. This includes but is not limited to the sale of any goods or providing any service for a fee, reward or any other form of payment;
o arising out of the letting and/or hiring out of any movable or immovable property or part of that property for a fee, reward or any other form of payment, other than a garden flat, granny flat, cottage or like structure situated on the same property as the one on which you normally reside;
o for the first N$10 000 of any claim in relation to any property hired, leased or borrowed by you;
o arising out of your reckless disregard of the possible consequences of your acts or omissions;
o of one person included in this policy to another person included in this policy or a person who was included in this policy;
o arising out of loss of or damage to property that is covered under any other insurance policy providing cover similar to this policy;
o arising out of the ownership or use of any aircraft other than model aircraft or hang-gliders or para-gliders; o which is the subject of legislation controlling the use of any motor vehicle or trailer and for which you must
take out insurance or furnish security;
o where the State or a government body or authority has accepted liability;
o for any claim for Motor or Pleasure-craft Liability unless the liability is covered by any of the Underlying Insurances, or if the claim is excluded only because of territorial restrictions;
o where the overall length of the pleasure-craft is greater than 8 metres;
o for loss of or damage to any self-propelled vehicle, trailer, caravan, pleasure-craft or aircraft in your care,
custody or control;
o arising out of any dishonest, fraudulent or malicious act, or acts of physical assault or seduction committed by you;
o for the payment of any fine, penalty, multiple, punitive or exemplary damages or arising out of liquidated damages clauses, penalty clauses or performance warranties unless it can be proved that the liability would have arisen without these clauses or warranties;
o for any debt;
o for the failure to pay maintenance or alimony or any amounts following a breach of promise;
o arising out of the purchase, sale, barter or exchange of any property or your failure to comply with any of these obligations;
o for the first N$5 000 of any claim arising from the suspension or termination of employment of any domestic worker;
o arising out of any condition directly or indirectly caused by or associated with Human Immune Deficiency Virus (HIV) including Acquired Immune Deficiency Syndrome (AIDS) or any mutant derivative or variation thereof.
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