Page 39 - Hollard Private Portfolio

Buildings
Domestic and wild animals
We will pay for loss or damage to your buildings caused by:
○ Wild animals, being non-domesticated animals living freely in their natural environment.
○ Domestic animals that do not belong to you.
Loss or damage caused by vermin is excluded, except for monkeys and baboons.
Emergency-services expenses
We will pay for the costs charged by any emergency-services provider – such as the fire brigade – that has to be called in to respond to an insured event.
Glass and sanitary-ware
We will pay for the repair of any accidental breakage to fixed glass (for example, mirrors) and sanitary-ware (for example, washbasins, toilet bowls), except when this is the result of chipping, scratching or disfiguration.
This cover does not apply when:
○ the buildings are unfurnished or unoccupied
○ the buildings are being structurally altered.
Holiday letting
If you are letting your home, we will cover loss or damage to your home up to the sum insured. We provide trauma counselling for paying guests up to the limit stated in the Schedule.
The following conditions apply:
○ Holiday letting is limited to 90 days during a 12 month period.
○ There must be signs of forcible and violent entry for malicious damage and theft claims. Home improvements
We will cover you for the following:
○ Loss or damage to permanent fixtures that are temporarily removed during renovations or alterations of the building, or whilst being repaired or restored. The following conditions apply:
– These items may not be removed for longer than 60 days.
– There must be visible signs of forcible and violent entry in the case of theft.
– The fixtures must be stored indoors and locked up.
○ Theft of newly bought building materials, supplies and fittings on the following conditions:
– They are owned by you and are safely stored on the premises.
– They are intended for use in the renovation or alteration of the home.
– There must be visible signs of forcible and violent entry.
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