| Cars · Car A passenger car, 4x4, SUV (sports utilityvehicle), bakkie, mini-bus, light delivery vehicle, panel van and motorised caravan with a gross vehicle mass not exceeding

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Cover section: Cars (MotorXtender cover)

Hollard – Easy – Car cover section (MotorXtender) – 20170908

Helpline number: 0860 123 EASY (0860 123 3279)

Index

1. Introduction 2

2. DefinitionsthatapplytoyouryourCars(MotorXtendercover)section 2

3. Conditionsforcover 3

4. Wemayaskyoutotakeyourcarforamajorserviceorinspection 3

5. Yourspecificresponsibilities 4

6. Maincover 5

7. Wearandtearconditions 7

8. Additionalbenefits 7

9. Optionalbenefits 8

10. Specificexclusions–whatwedonotcover 9

11. Specificconditionswhenyouclaim 11

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Helpline number: 0860 123 EASY (0860 123 3279) Helpline number: 0860 123 EASY (0860 123 3279)

MotorXtender cover

1. Introduction

Your Cars (MotorXtender cover)sectionexplainsthetypesofbenefitsthatareavailabletoyou.

Wecover therepairsor replacementofcertainpartsofyourcar,becauseofapart’s suddenandunforeseenfailure.Onlythepartslistedinthissectionarecovereduptothelimitsperbenefitassetoutinthepolicyschedule.Youmustreadthissectiontogetherwiththegeneraltermsandconditionsandyourpolicyschedule.

This extended warranty policy is not meant to be a maintenance or service plan.

2. DefinitionsthatapplytoyourCars(MotorXtendercover)section

Wherewereferto“you”intheCars (MotorXtender cover)section,italsomeansanyonewhodrivesyourcarwithyourpermission.ThefollowingdefinitionsareusedintheCars (MotorXtender cover)sectionofthispolicy.

Car A passenger car, 4x4, SUV (sports utility vehicle), bakkie,mini-bus, light deliveryvehicle,panelvanandmotorisedcaravanwithagrossvehiclemassnotexceeding3500kg.Thespecificcarthatwecoverissetoutinthepolicyschedule.

Regular driver Thepersonwhodrives,orisincontrolorpossessionofyourcarmostofthetime.Thenameoftheregulardriverissetoutinthepolicyschedule.

Failure or failed A parthasfailedifallofthebelowaretrue:

− A part’s sudden and unforeseen failure, burn-out or breakage is caused bymechanicalorelectricalreasons;

− Thefailurecausestheparttostopfunctioningcorrectly;and

− Thepartneedstoberepairedorreplacedtofunctioncorrectly.

Part A partmeansasinglecar part,oracollectionofcar partsaslistedintheMain cover. Partsarealsoknownascomponents.

Wear and tear Wear and tearisthenaturalandunavoidabledamagecausedbyagingorthenormaluseofapart.

For example: Whenyourcar’sclutchhasbecomewornovertimeandstartstoslipafteryouchangegears,butyourcarcanstillbedriven.Orthegraduallossofenginecompressionthatneedstherepairorreplacementofvalvesorrings.

Excess Thefirstamountyoumustpaytowardsaclaimunderthispolicy.Yourexcess amount willbethetotalofthefollowingexcessesassetoutinthepolicyschedule:

− basicexcessistheamountthatyouchose.

− additionalexcessisanextraamountontopofyourbasicexcess.

Full service history A full service history meansthatallyourcar’sserviceswerecarriedoutnolaterthan30daysor1500kmaftertheservicewasdue,whichevercamefirst.

Aserviceisdueattheintervalssetoutinyourcar’sservicebooklet,orwhenshownbytheon-boardserviceindicatorsinyourcar.

Major service report Theinvoiceandjobcardwhichmustincludethefollowinginformation:

− Descriptionofyourcar.

− Mileageofyourcar.

− Detailsofanyfaultsthatwererepairedandnotrepaired.

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3. Conditionsforcover

a. Your carmustberegisteredintermsofcurrentSouthAfricanlegislation.

b. You,oranyotherpersondrivingyourcarmustbeinpossessionofavalidSouthAfricandriver’slicence,oravaliddriver’slicencethatcomplieswithSouthAfricanlegislation.Thisincludesapersonwithavalidlearner’slicence,butonlywhileaccompaniedbyapersonwithavaliddriver’slicence.

c. Your carmaynotbecoveredunderanotherinsurancepolicythathasfailurecoverorservicecoversimilartothispolicy.Yourcarmayalsonotbewithinthecoverperiodofthemanufacturer’swarranty,serviceplanormaintenanceplan.Ifitis,wemaycancelyourcoverfromthecover start date andpaybackallpremiums, lesstheamountofanyclaimswemayhavepaid.

d. Your carmusthaveafull service history throughouttheperiod of insurance.

e. WeonlycoverrepairsandservicingofyourcaratworkshopswithinthebordersofSouthAfrica.Ifyourcar breaksdownorneedsservicingwhileitisoutsidethebordersofSouthAfrica,youmustbringyourcarbacktoSouthAfricaatyourowncostbeforewewillconsidertheclaim.

f. YoumaynotclaimforanybenefitsinyourCars (MotorXtender cover)sectionduringthefirst30daysafterthecover start date.

4. Wemayaskyoutotakeyourcarforamajorserviceorinspection

4.1 At the cover start date

Ifyourcardoesnothaveafull service history atthecover start date,wemayaskyoutohaveyourcar inspected,ortotakeitforamajorservicebeforewewillcoveryourcar.Weusetheinspectionreportor major service report toassesswhetherwecancoveryourcarfortheMain cover,dependingontheinformationinthereport.

a. WewillcancelyourCars (MotorXtender cover)sectionwitheffectfromthecover start date,if:

− Wedonotreceivetheinspectionreportorthemajor service report withinthetimewegaveyou;or

− Wereceivetheinspectionreportorthemajor service report,andwedecidethatwecannotcoveryourcarbecauseofitscondition.

b. Thismeansthatyourcarwasnevercoveredandwewillpaybackallthepremiumsreceivedfromthecover start date.

4.2 Atanytimeduringtheperiodofinsurance

Wemayaskyoutohaveyourcarinspected,ortotakeitforamajorserviceatanytimeduringtheperiod of insurance.Weusetheinspectionreportormajor service report toassesswhetherwecancontinuetocoveryourcarfortheMain cover,dependingontheinformationinthereport.

a. WewillcancelyourCars (MotorXtender cover)sectionwitheffectfromtheendoftheperiodthatwegaveyoutohaveyourcarinspectedorserviced,if:

− Wedonotreceivetheinspectionreportorthemajor service report withinthetimewegaveyou;or

− Wereceivetheinspectionreportorthemajor service report,andwedecidethatwecannotcoveryourcarbecauseofitscondition.

b. Wewillonlypaybackthepremiumswereceivedforthetimethatwedidnotcoveryourcar.

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5. Yourspecificresponsibilities

InadditiontoyourresponsibilitiessetoutintheYourresponsibilitiessection,youhaveextraresponsibilitiesthatspecificallyapplytoyourCars (MotorXtender cover) section.

5.1 You must maintain your carandpreventdamage

Youmustlookafteryourcarandtakeallreasonablestepstopreventdamage.

a. YoumustmaintainyourcaraccordingtotheroadworthyrequirementsoftheapplicableNationalRoadTrafficAct.

b. Youmusthaveyourcarfixedifanythingisbroken.

c. Youmustnottakeanyintentionalrisks,ormakeanychangestoyourcar,thatmightcauseafailure.

d. Youmusthaveyourcarservicednolaterthan30daysor1500kmaftertheservicewasdue,whichevercomesfirst.Inaddition,youmusthaveyourcarservicednosoonerthan30daysor1500kmbeforetheservicewasdue,whichevercomesfirst.Yourcar’sserviceisdueattheintervalssetoutinyourcar’sservicebooklet,orwhenshownbytheon-boardserviceindicatorsinyourcar.

For example: Your car’sserviceisdueon15Marchoron60000km(whichevercomesfirst)asperyourmanufacturer’sspecifications.Youmusthaveyourcarservicednosoonerthan15Februaryor58500kmandnolaterthan15Aprilor61500km,whichevercomesfirstineachcase.

− Youmustkeepproofofallyourcar’sservices,andyoumustgiveuscopieswhenyouclaimfortheMain cover.Ifyoudon’twewillnotconsideryourclaim.

− Pleasemakesurethattheservicehistorypagesinyourcar’sservicebookletarecompletedandstampedbytheworkshop,andthatanyelectronicserviceindicatorshavebeenreset.

e. Youmustprotectyourcarfromfurtherdamage.Thismeansthatyoumaynotcontinuetodriveyourcarafteryoubecomeawareofapotentialproblem.

For example: Ifyourcaroverheatsandyoucontinuetodriveit,itmaycausemoredamagethanifyouhadstoppeddrivingimmediatelyafteryounoticedtheoverheatingwarninglight.

5.2 You must tell us what you use your carfor

Youmust telluswhatyoumainlyuseyourcar for,as setoutbelow.Wewill set thisout in thepolicyschedule.

a. Personal use: Youuseyourcarforprivate,domesticandpleasurepurposes.Thisincludestravellingtoandfromyourplaceofwork,butexcludesbusinessuseasexplainedbelow.

b. Business use: You use your car for personal use as explained above, and on a regular basis forprofessionalorbusinesstravelling.

5.3 Youmusttellusofanymaterialchanges

Youmusttellusofanychangesthatarematerialtotheriskofyourcarwithin14daysfromthedatethatithaschanged,forexample:

− theuseofyourcar;

− theregular driver ofyourcar;or

− theaddresswhereyouparkyourcar.

5.4 Youmusttellusifyourcarwasrebuiltormodified

a. Youmusttellusimmediatelyifyourcarwasmodifiedfromthemanufacturer’sspecifications,forexample:

− changestoenginecapacity;

− enhancingyourcar’sperformance;or

− changestothesuspension.

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b. Wedonotcoverrebuiltormodifiedcars.WewillcancelyourCars (MotorXtender cover)sectionwitheffectfromthedatethatyourcarwasrebuiltormodified.

5.5 Youmustcheckyourenginenumber

a. Youmustmakesureyourcarregistrationpapersarecorrectandthatthecorrectenginenumberisregisteredtoyourcar.

b. Ifyoureplaceyourcar’sengine,youmustmakesurethatyourcar’snewenginehaspoliceclearance,andthatyouregisteritaccordingtotheapplicableNationalRoadTrafficAct.Youmusttellusofthenewenginenumber.

6. Main cover

6.1 Whatwecoveryoufor(insured events)

Theonly insured event wecover is the failure of a part listed inthetablebelow.Wedonotcoveranyroutinemaintenance.Wewillpayuptothelimitperbenefitsetoutinthepolicyschedule,fortherepairorreplacementofapartthathasfailed.Youmayclaimforthepart,aswellasthelabourtohavethepart fittedorrepaired.Youmaynotclaimforonlythelabour,orforonlythecostofthepart.

a. How the limit works

− Thelimitappliesperaninsured event.

− Thelimitappliestothetotalofallthepartslistednexttoeachbenefit,includingthecostoflabourtohavethepartsfitted.

− Thelimitdoesnotapplytoeachlistedpartindividually.

b. How the table works

− Thetablelistsallthepartsthatarecoveredperbenefit,aswellasanyspecificpartsoreventsthatarenotcoveredperbenefit.

− Anypartthatisnotlistedinthetableisnotcovered.

Benefit Partscoveredperbenefit

Engine Wecoveralltheinternallylubricatedpartsofcombustionengines.Forexample:

− oilpump,crankshaft,bigendandmainbearings,con-rods,gudgeonpins,pistonsandrings;

− valves,valveguidesandsprings;

− rockers,pushrods,camshaftsandcamfollowers;and

− timinggears,timingchainandtimingchaintensioner.

Wealsocovertheelectricdrivemotorsofhybridandelectriccars.

Wedonotcover:

− decarbonisation.Thismeanstoremovecarbonfromthepistoncrownandthecombustionchamberroof;

− failurescausedbybuild-upofcarbon;and

− thebatteries,chargingdevicesoranyotherrelatedsystemsofhybridandelectriccars.

Note:Iftheenginehasoverheatedorthecam-belthasfailed,thenwewillcoveritundertheOverheatingbenefitortheCam-beltfailurebenefit.

Manualgearbox Wecoveralltheinternallylubricatedparts.Forexample:gears,shafts,synchro-meshhubsandrings,selectors,bearings,bushesandgearleverlinkages.

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Automaticgearbox We cover all the internally lubricated parts. For example: torque convertor,gears, shafts, clutchpacksandbrakebands, servosandgovernor,valvebody,shafts,gearleverselectorswitch,bearingsandbushes,gearleverandlinkages.

Transfercase Wecoverallinternalpartsofthetransfercase,includingtheactuationmotor.

TransaxleorFrontwheeldriveunit

We cover all the internally lubricated parts. For example: gears, shafts,synchromeshhubsandrings,selectors,bearings,bushesandgearleverlinkages,crownwheelandpinion,carrier,spidergearsandbearings.

Differential We cover all the internalparts of thedifferential. For example: crownwheelandpinion,carrier,spidergears,differentiallocks,axlehalf-shafts,rearhubsandbearings.

Managementsystem Wecoverthegearboxcontrolunitandtheenginecontrolunit(ECU)only.

Steeringmechanism Wecoverthecolumnshaft,bearingsand joints, internalpartsofthesteeringbox,steeringrackandpinion,rackendsandtierodends,andthesteeringpump.

Brakingsystem Wecoverthemastercylinder,servounit,wheelcylinders,vacuumpump,ABScontrolunitandallsensors.

Wedonotcoveranyfrictionmaterialsorsurfaces.

Electricalparts Wecoverthealternator,startermotorandwindscreenwipermotors.

Wedonotcoverbatteries,switchesandrelays.Wealsodonotcoverthechargingdevicesoranyotherrelatedsystemofhybridandelectriccars.

Coolingsystem We cover the water pump, oil cooler, thermostat and viscous cooling fanassembly,electricfanmotor,butwedonotcoverthefanblades.

Wecover the radiatorandexpansionbottle,butwedonot cover theheatermatrixandhosing.

Turboorsuperchargers

Wecoverthefollowingpartsoftheoriginalfactory-fittedturboorsuperchargersonly: impellers, shafts, bushes, seals, waste gates, bearings, intercoolers andcasings.

Wheelbearings Wecoverallthewheelbearings.

Fuelsystem Wecoverthemechanicalandelectricalfuelpumps,airflowmeter,idlecontrolvalveormotor,throttlebody,sensorunitsandinjectors.

Wedonotcoveranycalibrationorserviceableparts.

Electronicignition Wecoverthedistributor,coilpacksandallsolidstatecontrolandtriggeredunits.

Wedonotcovertheignitionswitch,barrelorkey.

Driveshafts Wecoverhalfshafts,sideshafts,CVjoints,propshafts,CVbootsandthecentrebearing.

Airconditioner Wecovertheairconditionercompressoronly.

Wedonotcoverre-gassingoftheairconditioner.

Clutch Wecovertheclutchplate,clutchfork,pressureplate,slavecylinderandreleasebearing.

Flywheel Wecoverthesolidanddualmassflywheels.

Sensorsandsenderunits

We cover only the sensors and sender units of the engine, gearbox anddifferentials.Forexample:Lambdasensors,pressuresensorsandknocksensors.

Pulleys Wecoverthecrankshaft,damper,idlerandtensionerpulleys.

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Overheating Wecoveranyoverheating-relatedevents.Forexample:warpedcylinderheads,crackedcylinderheads,collapsedpistonsorpistonrings,andthefailureofthecylinderheadgaskets.

Note:WedonotcoveroverheatingaspartoftheEnginebenefit.

Cam-beltfailure Wecoverthecam-belt,cam-belttensionerpulleyandsprings,cam-beltbearingsandcam-beltcover.

We do not cover routine cam-belt replacements, because this forms part oftakingcareofyourcar.

Note:Wedonotcovercam-beltfailureaspartoftheEnginebenefit.

7. Wearandtearconditions

WedonotnormallycoverthereplacementorrepairofapartlistedintheMain cover because of wear and tear. However,incertaincircumstanceswewillconsiderreplacingorrepairingapartbecauseofreasonablewear and tear.Thefollowingconditionsapply:

a. Wewillnotconsideranyclaimsforwear and tear duringthefirstsixmonthsafterthecover start date.

b. After this time,wemay consider claims for reasonablewear and tear of a part based on the specificcircumstancesoftheclaim.

c. Wewilldecideifthereasonforthepart’srepairorreplacementisinfactbecauseofwear and tear, and alsowhetherthatpartactuallyneedstoberepairedorreplaced.

d. Ifwedecidetopayaclaim,wewillpaythecostoftherepairorreplacementofthepart,uptoamaximumof50%ofthelimitperbenefit,assetoutinthepolicyschedule.

What is wear and tear?

Wear and tearisthenaturalandunavoidabledamagecausedbyagingorthenormaluseofapart.

For example: Whenyourcar’sclutchhasbecomewornovertimeandstartstoslipafteryouchangegears,butyourcarcanstillbedriven.Orthegraduallossofenginecompressionthatneedstherepairorreplacementofvalvesorrings.

8. Additionalbenefits

WewillautomaticallycoveryoufortheCoverXtenderbenefit.

8.1 CoverXtenderbenefit

a. TheCoverXtenderbenefitpaysoutanextraamountontopoftheMain cover limits,if:

− youclaimforanyofthebenefitslistedintheMain cover;and

− theclaimamountismorethanthelimitforthatspecificbenefit.

b. YoucandecideifyouwanttouseyourCoverXtenderbenefit.

− PleasereadyourpolicyscheduletoseehowmuchyourCoverXtenderbenefitis,andhowmanytimesyoucanuseitinevery12monthperiod.

− Ifyouuseit,wewillreduceyourCoverXtenderbenefitbytheamountthatyouused,fortheremainderofthe12monthperiod.

− Anyunusedamountdoesnotcarryovertothenext12monthperiod.

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For example:

Tumiisinhersecondyearofcoverandshecanuseher CoverXtenderbenefittwiceinthatyear,uptoatotalofR4000.Thecosttorepairhercar’sairconditionerisR4500,butherlimitfortheairconditionerbenefitisonlyR3000.ThismeansshehastopaythedifferenceofR1500,aswellaspayherexcess.

− ShecannowchoosetouseherCoverXtenderbenefittopayforthedifferenceofR1500,butshecannotuseittopayforherexcess.

− IfsheusesherCoverXtenderbenefit,shewillstillhaveR2500(R4000lessR1500)lefttouseifshehasanotherclaiminthat12monthperiod.

− Ifshehasasecondclaiminthat12monthperiod,shecanusetheremainingR2500.

− Ifshehasathirdclaiminthat12monthperiod,shecannotuseherCoverXtenderbenefitagainuntilthenext12months,evenifthereisstillabalanceremaining.

− Ifshedoesn’thaveanotherclaiminthat12monthperiod,theR2500balancefallsaway.

− Atthestartofthenext12monthsshewillagainhaveR4000touse.

9. Optionalbenefits

Thesearenotautomaticbenefits.Youmustchoosetobecoveredforthesebenefitsandpaytheextrapremium.

− Ifyouchoosetobecoveredforanoptionalbenefit,wewillshowyourchoiceonthepolicyschedule.

− Ifyouchoseanyofthefollowingoptionalbenefits,theexplanationofyourcoverisincludedtowardstheendoftheCarssectionofyourpolicy.

− Scratch and dent cover

− Tyre cover

9.1 ServiceXtender

a. Wewillcoverthecostofservicingyourcaruptothelimitsetoutonyourpolicyschedule.

b. Wewillpaythecostofparts,labour,consumablesandanysundrychargesforthefollowing:

− Changingofoil,oilfiltersandsumppluggaskets

− Replacingairfiltersandfuelfilters

− Replacingsparkplugs

− Replacingbrakefluid

− Replacinglonglifecoolant

− Washingyourcar

c. Wewillnotpayforanypartsthatneedreplacingbecauseofwear and tear,forexample:

− Tyresandwheelalignment.

− Windscreen,glassandwiperblades.

− Wiperblades.

− Brakepads,brakeshoes,brakedrumsandfrictiondiscs.

− Cables,globesandfuses.

d. Wewillnotpayforservicesthataredoneoutsideofthemanufacturer’sserviceintervalspecifications,atanunapprovedworkshoporwithoutourpermission.

e. Youmust have your car serviced no later than 30 days or 1 500km after the service was due,whichever comes first. In addition, youmust have your car serviced no sooner than 30 days or1500kmbeforetheservicewasdue,whichevercomesfirst.Wewillnotpayaclaimforaserviceoutsideofthisperiod.Yourcar’sserviceisdueattheintervalssetoutinyourcar’sservicebooklet,orwhenshownbytheon-boardserviceindicatorsinyourcar.

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9.2 MotorXtender – Car hire

a. Whenwewillgiveyouarentalcar

Wewillgiveyouarentalcarifyouneedit,butonlyafterwehaveacceptedaMain cover claim.Youmaydrivetherentalcarfortheshorterofthebelowperiods:

− thenumberofdaysyouchoseassetoutinthepolicyschedule;or

− untilyourcarisrepaired.

b. Thecarhirebenefitincludesthefollowing:

− Acarthatislistedinthecarhiregroupthatyouchose,assetoutinthepolicyschedule.

− Unlimitedkilometres.

− Airportsurchargeforrentalsfromanairport.

− Tourismlevy.

− Deliveryorcollectionsupto25kilometresfromthenearestcarhirecompanycontractedbyus.

c. Youareresponsibleforthefollowing:

− Allfueldeposits,fuelandrunningcosts,includingtollfees.

− Theinsuranceexcesschargedbythecarhirecompanyforlossordamagetotherentalcar.

− Trafficorspeedingfineswhiletherentalcarisinyourcustodyandcontrol,untilitisreturned.

− Deliveryorcollectionchargesfordistanceslongerthan25kilometresfromthenearestcarhirecompanycontractedbyus.

− Costsaftertherentalcarhasbeeninyourcustodyandcontrolforlongerthantheallowedperiodsetoutabove.

d. Specialconditions

− Youmustsignalldocumentationrequiredbythecarhirecompany.

− Onlythepersonthatreceivedpermissionfromthecarhirecompanymaydrivetherentalcar. Thatpersonmustbeinthepossessionofavaliddriver’slicence.

− Wewill not pay the cost of the car hire if youdonot keep to the terms, conditions andinsurancerequirementsofthecarhirecompany.

− You cannot choose the Car hire benefit if you have chosen the Alternative transportallowance optionalbenefit.

9.3 MotorXtender–Alternativetransportallowance

Wewillpayyouanalternativetransportallowancetohelpyouwithtransportwhileyouarewithoutyourcar.Wewillpaytheamountsetoutinthepolicyschedule,butonlyafterwehaveacceptedaMain cover claim.YoucannotchoosethisbenefitifyouhavechosentheCar hire optionalbenefit.

10. Specificexclusions–whatwedonotcover

TheexclusionssetoutinthesectionGeneral exclusions donotapplytothebenefitsunderyourCars (MotorXtender cover)section.BelowisalistofalltheexclusionsthatapplytotheCars (MotorXtender cover)section,inadditiontoanyexclusionsthatarelistedintheMain cover and ServiceXtenderbenefit.

10.1 WedonotcoveranypartsthatarenotlistedintheMain cover.

10.2 Wedonotcovercarsthathavebeenused:

− Inconnectionwithanyperformancetests,orcardemonstrationpurposes.

− Inanymotorsportingactivity,orwhileitisbeingtestedforanymotorsportingactivity.

− Onamotorsportingcircuitortrackofanykind.

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− Forcommercialtravellingorasatooloftrade,forexample:

• usingyourcarasacourierordeliverycar;

• rentingoutyourcarforusebyothers;

• usingyourcartocarrypassengersforreward,suchasataxiorlimousine(excludingliftclubs);

• usingyourcartocarryoutyourtrade,suchasplumbers,electricians,builders,gardenservices,farmers,etc.

10.3 Wedonotcoverfailure of a partcausedby,orrelatedto,anyofthefollowingreasons:

a. Usingthewrongfuelorthewronggradeoffuel.

b. Abusingyourcarordrivingitinanegligentway.Forexample:

− Over-revvingyourcar.

− Overloadingyourcar.Thismeanscarryingortowingaloadthatisgreaterthanwhatyourcar wasdesignedorlicensedfor.

− Usingyourcarunderconditionsnotsuitabletothecartype,likedrivingasedanonanoff-roadtrack.

10.4 Wedonotcoveranyfailure of a partthatwascausedbecauseyoucontinuedtodriveyourcarafteryoubecomeawareofapotentialproblem.

10.5 Wedonotcoverthefailure of a partwhichiscausedby,orresultedfrom,anyofthefollowing:

a. Ratsorvermin.

b. Fireorwaterdamageofanykind.

c. Foreignmatterinthefuel,engine,gearboxandcoolingsystems.Forexample:Dirtintheradiatorcausingthewaterpumptofail.

d. Incorrectorincompleterepairs,andfaultyworkmanship.

e. Detonationorpre-ignitionforanyreason.Forexample:Incorrectfuelpressureorignitiontiming.

10.6 Wewillnotpayclaimsforthefollowing:

a. Repairsofoilleaksofanynature.

b. Repairsifyourcarisstillundertheguaranteeissuedbytheworkshopthatdidthepreviousrepairs.Youmustreturnyourcartotheworkshopthatgaveyoutheguarantee.

c. Repairsthatwouldnormallybecoveredbyacomprehensivecarinsurancepolicy,evenifyourcarisnotinsured.Forexample:Repairsneededafteranaccidentorcollision.

d. Repairsthatarenotdoneatanapprovedworkshop.

e. Repairsthataredonewithoutourpermission.

f. Repairorreplacementofpartsneededbecausethecarmanufacturerrecallsyourcaroranypart of yourcar.

g. Repairswherethedamage,orthecauseofthefailure,existedbeforethecover start date.

h. Repairsthatareneededbecauseofthedefectivedesignofapart.

i. Repairswhereweareunabletoconfirmtheactualmileageofyourcaratthetimeofaclaim.

j. Repairswhereyourcar’sodometerisnotconnected,notinworkingorderorhasbeentamperedwith.

10.7 Wedonotcoverwear and tear to parts listed intheMain cover,unlessweconsiderwear and tear asexplainedundertheheadingWearandtearconditions.

10.8 Wedonotcoverconsequentialloss.Thisisanyfurtherlossthatyoumaysufferasaconsequenceofyourcar’sbreakdown.

Forexample:Ifyourcarbreaksdownonthewaytotheairport,wewillcoveryouforthefailure of parts listedintheMaincover,butwewillnotpayforanylossyoumaysufferbecauseyoumissedyourflight.

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10.9 Wedonotcoveranyresultantdamage.Thisisfailure of a partthatiscausedbyfaultyworkmanship,orbythefailureofanyotherpart,includingthosenotlistedintheMain cover.

Forexample: If theautomaticgearbox isdamagedbecausetheoilcooler failedandwaterenteredthegearbox,thedamagetothegearboxistheresultantdamagethatwedonotcover.However,wewouldcovertheoilcooler.

11. Specificconditionswhenyouclaim

TheconditionssetoutinthesectionClaimingunderthispolicydonotapplytothebenefitspayableunderyourCars (MotorXtender cover) section.

Beforeyouclaim!

− If a parthasfailed,firstcheckthatthepartislistedintheMain cover.

− Donothaveyourcarrepairedorserviceduntilyouhavereceivedourwrittenpermission.

− Makesurethattheworkshophasbeenapprovedbyus.Checkthe listofapprovedworkshopsonourwebsitewww.hollard.co.za,orcallusonourHelplinenumbersetoutintheQuickreferenceguide.

11.1 Roadsideemergencyassistance

Please read the Roadside emergency assistance conditions in the Emergency and assist services sectiontounderstandtheroadsideassistanceavailabletoyou.IfyourcariscoveredunderonlytheCars (MotorXtender cover)section,pleasenotethattowingisonlyavailableifyourcarbreaksdown,andnotinthecaseofanaccident.

11.2 How to claim

a. Main cover claims:Youmusttellusofaclaimassoonaspossible,butnotlaterthanfivedaysfromthedateofthefailure.Wewilltellyouwhattodoandwheretotakeyourcar.Afteryourcarhasbeenassessedbyourworkshoporourassessor,wewillneedthefollowinginformation:

− Adescriptionofthefailure.

− Themileageofyourcaratthetimeofthefailure.

− Theaddresswhereyourcarcanbeinspected.

− Copiesofyourcar’s full service history.

− Areportfromtheworkshopexplainingwhytherepairsareneeded.

− Acopyofthequotefortherepairs.

b. ServiceXtenderbenefitclaims:Youmustcallusbeforeyoutakeyourcarforaservice.Wewilltellyouwhattodoandwheretotakeyourcar.Afteryourcarhasbeenserviced,wewillneedaninvoicefromtheworkshopshowingthefollowinginformation:

− Yourpolicynumberorclaimnumber.

− Make,modelandregistrationnumberofyourcar.

− Mileageofyourcaratthetimeoftheservice.

− Detailedinformationoftheservicethatwasdone.

c. Youmustgetourwrittenpermissionbeforerepairingorservicingyourcar.

d. You must use an approved workshop.Wemayaskyoutotakeyourcartoanapprovedworkshopifyourworkshopisnotapprovedbyus.

e. Ifthestepsabovearenotfollowed,oryoudonotsendustheinformationweaskforwithinthetimewegaveyou,wewillrejectyourclaim.

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Costsbeforeweacceptaclaim

− Sometimestheworkshopneedstodosomeworkbeforetheycanfindthecauseofthefailure and quoteonthecostoftherepairs.Forexample:Iftheyneedtostriptheenginetogettothepartthathasfailed.

− Wecannotpromisethatwewillpaythesecosts,becausewecannotpromisethatwewillacceptaclaimbeforeweknowexactlywhathasfailedandwhy.

− Thismeansthatifyourclaimisrejectedbecausethecauseofthefailureisnotcoveredunderthispolicy,youmayhavetopaytheworkshopfortheworkdone.

− Becauseofthis,theworkshopneedsyourpermissionbeforetheywillcontinuewithstrippingtheengine,oranypart.

11.3 How we assess your claim

a. Wewillcalculatethecostofrepairsortheservice,basedonthereportfromtheworkshop.

b. Wemayalsoappointanassessortoinspectyourcar.

11.4 How much we will pay

a. Main cover

− Ifweacceptaclaim,wemayatourdiscretionrepairorreplacethefailed parts.

− Wewillpaythecostof therepairsor replacementuptoamaximumof the limit for thatspecificbenefit,lesstheexcess amount.

b. ServiceXtenderbenefit

− Wewillpaythecostoftheserviceuptoamaximumofthelimit,lesstheexcess amount.

11.5 Who we will pay

Assoonaswehavereceivedallthedocumentsandyourcarhasbeenrepairedorserviced,wewillpaytheworkshopdirectly.

11.6 What you must pay

a. The excess

Thisisthefirstamountthatyoumustpaytowardsaclaimunderthispolicy.Wewillalwaysdeducttheexcessfromtheamountwepaytotheworkshop.Thismeansthatyouhavetopaytheexcess directlytotheworkshop.

− Your excessamountwillbethetotalofyourbasicexcessandadditionalexcess,assetoutinthepolicyschedule:

• Thebasicexcessistheamountthatyouchose.

• Anadditionalexcessisanextraamountontopofyourbasicexcess.Ifanadditionalexcessappliestoyou,wewillshowitinyourpolicyschedule.

For example: YouwillhavetopayanadditionalexcessifyouclaimforaMain coverbenefitduringthefirstsixmonthsafterthecover start date.

− Ifmorethanoneadditionalexcessappliestoyourclaim,wewillonlyaddthehighestexcessamounttothebasicexcess.

For example: Yourbasicexcess isR1000.Twoadditionalexcess amountsofR2000andR4000alsoapplytoyou. Ifyouclaim,youwillonlyhavetopayatotalexcess of R5 000 (R1000plusR4000)andnotR7000(R1000+R2000+R4000).

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b. Othercostsyouareresponsiblefor

− If youdid not ask us to arrange for towing, youmust pay all towing costs to the towingoperatordirectly.

− Ifyourengine,oranypart,wasstrippedtoinvestigatethecauseofthefailureandyourclaimisrejected,youmayhavetopaytheworkshopfortheworkdone.

11.7 Ourresponsibilityendsafterwehavepaidaclaim

Oncewehavepaidaclaim,wehavemetourresponsibilitiestoyouintermsofthispolicy.Wewillnotberesponsibleforanyothercostsrelatingtothatclaim.

11.8 We will not pay any interest

Anyamountduebyuswillnotattractanyinterest.

11.9 Ifyoudonotagreewithourclaimsdecision

a. Complain to Hollard

Ifwedonotacceptaclaimorifyoudon’tagreewiththeamountoftheclaim,youmayaskustoreviewourdecisionwithin90daysofthedatethatyoureceivedournotice.

b. Complain to the Ombudsman

YoumayalsosendyourcomplainttotheOmbudsmanforShort-termInsuranceatanytime.PleasecontacttheOmbudsmanonthecontactdetailssetoutintheQuickreferenceguide.

c. Takelegalaction

Youmaytakelegalactionagainstuswithin270daysofthedatethatyoureceivedournotice.Totakelegalaction,summonsmustbeservedonus.Ifthisisnotdoneintime,youwillloseyourrighttoclaimandwewillnolongerberesponsibleforthatclaim.

YoumayalsochoosetotakelegalactionagainstuswithoutfirstaskingustoreviewourclaimdecisionorcontactingtheOmbudsmanforShort-termInsurance.IfyoutakelegalactionagainstusbeforecontactingtheOmbudsman,youcanonlyapproachtheOmbudsmanforassistanceafteryouhavewithdrawnthesummonsagainstus.

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