Page 119 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 8 – Motor vehicle
Uses that are specifically not covered:
– any use that is contrary to the option you have exercised
– the carrying of any goods or passengers, which is greater than the mass or number of passengers the vehicle is licensed to carry
– renting the vehicle out
– carrying of passengers for financial gain whether on a fare-paying or hire basis
– racing or speeding of any sort
– driving on a course or racetrack, whether as part of an event or not
– paid driving instruction
– towing a vehicle for financial gain
– use while in the custody and control of the motor trade for any purpose other than the overhaul, upkeep or repair of the vehicle
– overloading your vehicle and/or any use outside the relevant manufacturers specifications of vehicle and/ or accessories
– business or commercial purposes of motorcycles, scooters, three-wheeled vehicles, quad-bikes, trailers, caravans, motorised caravans or golf carts
– carriage of commercial goods in or on a goods-carrying vehicle
– quad-bikes while being driven on a public road.
– You may not, under any circumstances, use your vehicle to carry explosives or hazardous goods, unless it is for your own personal domestic use and you do not need a formal permit – for example, a gas cylinder for your stove or acid for your pool. Typical examples of explosives and hazardous goods are nitro-glycerine or dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste and liquid petroleum.
– You may not, under any circumstances, use your vehicle as a courier or transport contractor.
○ Reduced pay-out for Code 3 or SAPVIN vehicles
If your vehicle is classified on eNaTIS1 as a Code 3 vehicle or SAPVIN, and it is written off or stolen, we may reduce your pay-out by up to the limit stated in the schedule.
A Code 3 vehicle is a new or used motor vehicle that has been rebuilt after sustaining damage in an accident or incident. Even though it is roadworthy and complies with all relevant legislation, it always carries a Code 3 rating.
A SAPVIN (SA Police Vehicle Identification Number) code vehicle can be allocated only by the Police when a vehicle’s VIN number has been tampered with. The VIN number usually starts with AAPV.
1 eNaTIS (Electronic National Traffic Information System) is the motor-vehicle registration system of the National Department of Transport.
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