Page 16 - Hollard Private Portfolio - Version 3.5

14 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Understanding your policy
Step 2: Tell us right away
Contact your broker to notify us of a claim as soon as possible, but not later than 30 days after the event.
Step 3: Send us the evidence and documents we ask for within the reasonable time that we give you
We typically need the following information, but we may ask for more depending on the details of your claim:
○ Buildings, Household contents and All Risks
– A description of the damage for which you are claiming.
– Photographs taken of the scene (if any were taken).
– Copies of damage reports (if done).
– Proof of forcible or violent entry to, or exit from, the building or the premises (in the event of theft).
– The police case number (in the event of loss of an item, theft, suspected theft or criminal acts).
– The details of witnesses and any other persons who were involved in the incident (if applicable).
– Details of any other insurance that also covers the same insured property.
○ Motor
In addition to the information listed above, we will also need the following:
– A sketch and a description of the incident.
– The driver’s details and identity number. If the driver does not have a South African driver’s licence, we
need a copy of their valid international or SADC driver’s licence.
– The police reference number (accident report or case number).
– A copy of the statement made to the police.
Step 4: Give us proof of ownership and proof of value when we ask for it
○ Proof of ownership or value includes documents such as a sales receipt that notes the item’s description or
code, the price, the date, and the place where you bought the item from.
○ If we specifically require a valuation certificate, it will be stated under the cover section.
○ For claims under the Motor cover section, we will always need a copy of the vehicle’s registration document as
proof of ownership.
Step 5: Send us any further documentation you may receive
Send us any further documentation you may receive immediately (such as a letter of demand or a summons).
Step 6: Allow us to assess the damage
○ If your insured property is damaged, you must allow us the opportunity to assess the damage. You may not do
any of the following until we have given you the go-ahead:
– Abandon or get rid of the damaged insured property.
– Replace the damaged insured property, or have it repaired except for emergency repairs under the
Motor, Pleasure-craft, Buildings and Household contents cover sections.
○ If you replace, repair or dispose of the damaged insured property before we have had a chance to assess the
damage, we may reject your claim. If we decide to settle your claim, we will only pay you the amount that we
would have paid had we repaired or replaced the insured property ourselves.
Step 7: Give us proof of claims preparation costs
○ We may ask you to give us extra information or to certify information to support your claim.
○ We will pay up to the limit shown in your policy schedule per claim for the reasonable costs you had to pay in
getting or certifying this information.
○ You must give us proof of these costs before we will pay you back.
○ However, we will not pay for the services of a public adjuster. A public adjuster is an independent, professional
claims handler that you may hire to help settle a claim on your behalf.