Page 72 - Hollard Private Portfolio

Household contents
What is not covered
Breakdown, animals, vermin and damp
You are not covered for loss or damage caused by:
○ mechanical, electronic or electrical breakdown (unless the optional Accidental damage – extended cover is selected)
○ mildew, damp, wet- or dry-rot, wear and tear, or any other gradually operating cause
○ domestic animals that belong to you
○ vermin, except for monkeys and baboons. Vermin are animals and insects that can be harmful and are difficult to control when they appear in large numbers. Vermin include moths, rodents, termites, parasitic worms or any other animal or insect classified as invasive species.
Certain specific items
Securities, manuscripts, medals, livestock, etc.
○ negotiable securities such as deeds, bonds, bills of exchange, promissory notes and cheques
○ manuscripts or documents of any kind
○ prepaid phone cards or cellphone vouchers
○ motor vehicles, motorcycles, scooters, golf carts, three-wheeled vehicles, quad-bikes, motorised lawnmowers, caravans, trailers and all fitted accessories
○ aircraft, pleasure-craft, hang-gliders and their equipment
○ livestock or other animals
○ rare books, medals, unset precious stones, individual stamps or coins (including Kruger coins), unless specified in the Schedule
○ any item that you specifically insure in this policy or any other policy.
Thatch roof and non-standard construction
Your policy is valid only if your home and outbuildings are of standard construction – i.e. the walls and roof are solidly built of material such as brick, stone or metal.
You cannot claim for loss or damage to your contents if your home or outbuildings have a thatch roof or it is built of non- standard construction, unless the thatch roof or construction is stated in the Schedule.
An outbuilding with a thatched roof (such as a lapa) or built of non-standard construction (such as a Zozo hut/Wendy house), does not need to be noted on the Schedule if its roof is less than 15% of the total square metres of the main building’s roof.
Jewellery, watches, rugs, art, etc. covered up to 33.33%
We will not pay for more than 33.33% of the sum insured for loss or damage to precious metals and stones, jewellery, watches, furs, rugs, art and carpets.
70 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020