Page 81 - Hollard Private Portfolio

All Risks
Pairs and sets
We will not pay more than the proportionate value of any article that is part of a pair or set. So if you lose one earring, for example, we will pay out the value of only that one earring.
You always pay the first amount, or excess
You will always have to pay the first part of any claim settlement. This is known as the excess, and is listed in the Schedule.
What we cover you for
Accidental loss or damage worldwide
We cover you for loss or damage to your insured property normally worn or carried by you, or which often leaves your home, anywhere in the world, from any accidental cause that is not specifically excluded in this section.
In the case of specified property we even cover you for loss due to blocking of your remote control as set out hereunder.
Example
If you successfully claim R2 000 for a lost watch, and the excess for that claim is R250, your net pay-out from us will be R1 750.
Where is my insured property covered?
Your insured property (Unspecified and Specified) is covered while you are wearing it, carrying it or travelling with it anywhere in the world. If, however, your property is not carried or worn by you, you must comply with the requirements such as having it kept in a safe or taking reasonable steps to prevent loss or damage. Where the size of the item allows, valuables should be taken on board of flights as hand luggage and locked in a safe when at your accommodation unless we have agreed otherwise.
Remote blocking – specified property
If specified property is stolen from your vehicle without any forced entry and you blame that on interference with your remote control by a blocking device, then you must prove it to us. The amount of the pay-out will depend on whether the evidence is acceptable to us and whether it can be backed up by CCTV footage. Check your Schedule now to see what the applicable limits are.
Which items of your property are insured
Unspecified property
Unspecified property means everyday items of clothing and personal effects normally worn by or carried on one’s person, or which often leaves your home. It includes sports equipment – but you cannot claim for it if it breaks whilst in use. It also includes groceries while you are transporting these from a place of purchase.
Hollard Private Portfolio – Version 3.0.0 – 20 April 2020 79