Page 121 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 8 – Motor vehicle
○ Medical benefit includes the following:
– We will pay you the medical benefit stated in the schedule for accidental bodily injury to any person in the
motor vehicle which occurs or arises as result of the accident.
– We will pay you the medical benefit stated in the schedule following hijack/attempted hijack for hospital costs.
– We will pay you the medical benefit stated in the schedule for accidental bodily injury to any person in the vehicle and involved in the incident.
○ Temporary vehicle rental means when you hire or rent a vehicle from a car rental company for holiday, business use or other purposes and you have a loss or there is damage to this vehicle while it is in your possession or control. The car rental company will hold you liable to pay an excess. We will pay your excess up to the limit stated in the schedule subject to the following conditions:
– the vehicle is rented for a maximum of 45 days or less
– we will not pay if the driver of the rental vehicle is not the same as the driver declared to the car rental
company.
○ Temporary substitute vehicle means we provide cover for loss or damage to any substitute vehicle that is of a
similar type or specification to your motor vehicle provided that:
– your motor vehicle cannot be driven, for example it is being repaired, serviced or has had a mechanical breakdown
– we cover you for up to 14 days from the day your motor vehicle is not driveable, or until it is returned, whichever the lesser
– there is no insurance that covers the substitute vehicle
– cover is limited to the sum insured of the existing motor vehicle stated in the schedule.
The excess stated in the schedule applies to this cover.
○ Towing and storage costs – we will pay for these costs provided you have made contact with your broker to arrange for towing and storage when required. Your vehicle must be towed by Hollard-approved service provider that has been sent or authorised by your broker of Hollard. If you do not contact your broker or Hollard, cover for towing and storage costs will be limited to the amount stated in the schedule.
○ Transport cover means loss or damage for accident, theft or attempted theft, fire, lightning, explosion or overturning of the motor vehicle when:
– being transported by a nationally recognised professional transport contractor or railway to or from any local destination, or
– being transported by sea between ports within South Africa, by air or to places in the countries in which the cover under this policy is valid,
including the loading and unloading of the motor vehicle.
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