Page 64 - Hollard Private Portfolio

Emergency-services expenses
We will pay for costs charged by any emergency-services provider – such as the fire brigade – for responding to an insured event.
Fridge or freezer contents
If your fridge or freezer stopped working due to load shedding, or mechanical, electronic or electrical breakdown, we will pay for spoilt food kept in 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
○ your electricity was not cut off because you have not paid your bill.
Full-house (bowls)
If you score a full-house as an amateur bowler, you will be covered for the traditional celebratory expenses that usually accompany the event. The full-house must be certified by the bowling club.
Garden damage
We will pay for the cost of replacing any trees, shrubs or plants in your garden that need to be replaced after a valid claim. This is on condition that the claim is not the result of theft and that the home owner is not entitled to claim under his own insurance.
Hole-in-one (golf)
If you score a hole-in-one as an amateur golfer, you will be covered for the traditional celebratory expenses that usually accompany the event. The hole-in-one must be certified by the golf club.
Holiday letting
If you are letting your home, we will cover loss or damage to your contents up to the sum insured. We limit accidental damage to your contents and provide trauma counselling for paying guests up to the limits stated in the policy 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.
Increase in sum insured over holiday season
We will increase the sum insured of your contents by the percentage in the Schedule during the holiday period of 15 December to 31 January.
Keys, locks and remote controls
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, as well as the call-out costs of a technician and the reprogramming of any coded alarm system. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
Household contents
62 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020