Page 22 - Policy Wording - Hollard Prestige Portfolio 1.4

General exclusions
General exclusions
We do not cover you for any claim for loss, damage, death, injury, amount of any kind, or liability, which is caused (in any way) by or results from:
○ Riots, wars, political acts, terrorism or any attempt at such acts:
Generally, this refers to loss or damage to property, death or bodily injury or liability directly or indirectly related to or caused by riots, political acts, war, public disorder, terrorism or any attempted act of this kind for which we cannot reasonably be held responsible. They include:
– Civil commotion, labour disturbances, riot, strike, lockout or public disorder, or any act or activity which is calculated or directed to bring about any of the foregoing
– War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not) or civil war
– Mutiny, military uprising, military or usurped power, martial law or state of siege, or any other event or cause which determines the proclamation or maintenance of martial law, or state of siege, insurrection, rebellion or revolution
– Any act or attempted act (whether on behalf of any organisation, body or person, or group of persons) calculated or directed to overthrow or influence any state or government, or any provincial, local or tribal authority with force, or by means of fear, terrorism or violence
– Any act or attempted act which is calculated or directed to bring about loss or damage or bodily injury, in order to further any political aim, objective or cause or to bring about any social or economic change, or in protest against any state or government, or any provincial, local or tribal authority, or for the purpose of inspiring fear in the public, or any section thereof
– The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any occurrence referred to above.
○ Any act of terrorism means the use of threat or violence or force for political, religious, personal or ideological reasons. This may or may not include an act that is harmful to human life. It could be committed by any person or group of persons, acting alone, on behalf of or with any organisation or government. It includes any act committed with the intention to influence any government or inspire fear in the public.
○ Loss, damage or liability caused by incidents covered by legislation means any event for which a compensation fund has already been set up under relevant government legislation, whether in South Africa or any other country where the policy applies. An example in South Africa is the Road Accident Fund Act.
○ Nuclear risks: These are risks associated with the nuclear industry in general. They include nuclear-weapons material; ionisation, radiation or contamination by radioactivity from any nuclear fuel or any nuclear waste; and combustion of nuclear fuel, which includes any self-sustaining process of nuclear fission or fusion.
○ Nationalisation means nationalisation, confiscation, commandeering or requisition by any lawfully constituted authority.
○ Work stoppage means stoppage or slowing down of any work, process or operation.
20 Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023