Page 116 - Policy Wording - Hollard Prestige Portfolio 1.4

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What are accessories?
An accessory is an addition to your vehicle which does not enhance the performance or change the structure of the vehicle.
– Factory-fitted accessories are those standard-issued items which are originally fitted by the manufacturer of the vehicle.
– Optional vehicle accessories are those items which are chosen by you to be fitted by the manufacturer.
– Non-factory-fitted/after-market vehicle accessories are those items which are fitted to the vehicle where the value of such items are not included in the retail value which are purchased separately post-manufacture of the vehicle.
We provide automatic cover for non-factory-fitted/after-market accessories up to the limit stated in the schedule at no additional cost.
Should you require additional cover for accessories which are not factory-fitted or optional vehicle accessories included in the retail value of the vehicle we will list the accessories in your schedule and charge an additional premium.
What are motor vehicle modifications?
Motor vehicle modifications are alterations made to the manufacturer’s standard body, engine, suspension, wheels or paintwork of your vehicle which may affect its performance, value, safety or appearance. Examples of modifications include modified:
– engines, for example increased capacity
– body shape and body kits
– performance exhaust systems
– suspension
– fuel systems, for example LPG
– performance-enhancing 'chips', for example Chipbox and Dustec.
Vehicle modifications are not automatically covered as part of your vehicle and you must tell us about them as this may affect our decision to insure you. If we agree to insure vehicle modifications as part of your vehicle, we will list the modification in your schedule. An extra premium and an additional vehicle excess may apply. If a vehicle modification is not listed in your schedule, it is not covered.
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Section 8 – Motor vehicle
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023