Page 63 - Hollard Private Portfolio

Household contents
Baggage cover
We will cover loss or damage of luggage while in the custody of the airline. We will also cover the cost of purchasing reasonable emergency essential items of clothing and personal belongings when your luggage has been delayed, misdirected or temporarily misplaced by the airline or airport outside your permanent place of residence.
Cover for purchasing reasonable emergency essential items requires written proof of delay from the transport provider, as well as receipts of the purchased items. We will not cover delayed baggage on return to your permanent place of residence.
Clearing-up costs
We will pay for the cost of removing any household goods debris from your premises after a claim.
Credit/debit-card fraud
We will pay out for losses arising from the fraudulent use of your credit card or debit card during any 12-month period of insurance.
Damage to fridge or freezer
If your fridge or freezer stopped working due to load shedding, or mechanical, electronic or electrical breakdown, we will pay for the replacement of the fridge or freezer, up to the limit stated in the Schedule, if all of the following apply:
○ your fridge or freezer was off for a period of at least 48 hours
○ we decide that the fridge or freezer can no longer be used due to spoilt food causing contamination or odour
○ your electricity was not cut off because you have not paid your bill.
This limit can be increased if you select the optional Accidental damage – extended cover.
Damage to guests’ property
We will cover loss or damage to household items belonging to any non-paying, temporary guests caused by an insured event in your home or outbuildings. However, this does not include money and negotiable instruments, or any items insured under any other policy.
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.
Domestic worker’s property
You are covered for loss or damage to your domestic worker’s household goods and personal property caused by an insured event in your home or any of the outbuildings.
Hollard Private Portfolio – Version 3.0.0 – 20 April 2020 61