Page 20 - Hollard Private Portfolio

Claims
Other points to note
Sum insured will not be reduced
This point is applicable to the following sections of this policy: Household Contents, Buildings and All Risks (unspecified items). It states that the sum insured will not be reduced after we have compensated you for a claim. We may, however, require you to pay an additional premium for the increase of the sum insured to the original amount from the date of loss to the next renewal date.
Cover applies in RSA and neighbouring countries
The cover in this policy is valid within the territorial limits of South Africa, as well as the following countries: Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe. However, cover for motor third party liability is not provided in Angola, Kenya, Tanzania and Uganda. If you travel to a country where it is required to take out third party liability cover at the border, you must claim under that policy first.
Bringing damaged property back to South Africa
If you want to claim for property damaged outside of South Africa, you must first bring it back into the country or to the nearest border post. You have to do this at your own expense, unless we have agreed to pay.
This condition does not apply to motor vehicles. If you are in an accident outside South Africa, then the conditions under How we handle claims in neighbouring countries applies.
South African law applies
This policy is subject to South African law.
Keeping within the law
If any of the terms or conditions of this policy are in breach of existing legislation, they will be amended so that they comply with the law.
How claiming affects your premium
Whenever you are paid out for a claim, you may find that your premium is increased.
Trade and economic sanctions
We cannot provide any cover where to do so would violate trade or economic sanctions. Should we become aware of the fact that you are subject to such sanctions, we would have to void (cancel) your policy from its start date. We will refund any premiums due to you, and no claims will be payable.
Malicious damage
We cover you for malicious damage to your insured property under the sections you have chosen.
Malicious damage occurs when someone (other than you or any of your beneficiaries) performs an act deliberately designed to cause you damage.
18 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020