Page 24 - Hollard Private Portfolio - Version 3.5

22 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Understanding your policy
Outbreaks, pandemics, epidemics and communicable disease
There is no cover for costs, liability, loss or damage relating in any way to the following:
○ A declared or classified epidemic or pandemic, including any mutation or variation thereof. This applies
regardless of when it was declared or classified.
○ A communicable disease or the fear or threat of a communicable disease. This includes any disease that can be
transmitted by a substance, agent or organism (such as a virus, bacterium or parasite), and is regardless of the
method of transmission (such as airborne or bodily fluid transmissions).
Pollution and contamination
There is no cover for liability, loss or damage caused by or related in any way to pollution or contamination. There is also
no cover for the cost of removing, nullifying or cleaning up seeping, polluting or contaminating substances. Pollution
or contamination means the discharge, release, dispersal, seepage or escape of any solid, liquid, gas, contaminant or
pollutant.
For example: Humidity, fumes, smoke, soot, chemicals, acids or waste.
Riots, war, terrorism and similar events
We do not cover any liability, loss or damage related to or caused by war, terrorism, riots, protest actions, public disorder,
looting or any attempted act of this kind. In South Africa, these types of events are covered by Sasria SOC Limited. Cover
for vehicles is also provided in Namibia for not more than 60 consecutive days. Please refer to the Sasria section at the
end of your wording for an explanation of your Sasria cover.
Theft by false pretences or scams
We do not cover any loss or damage if you are tricked by any means into parting with your insured property, such as
through a scam or theft by false pretences.
Trade and economic sanctions
We cannot provide cover and we will not be liable to pay any claim or provide any benefit if that means we would not
comply with any sanction, banning or restriction under United Nations resolutions or the trade or economic sanctions,
laws or regulations of the European Union, as well as United Kingdom or United States of America, provided that these
are not in contradiction to the legislative requirements applicable to us. If we find out that you are subject to such
sanctions, we will cancel your policy from the policy start date or the date that you become subject to sanctions. We will
refund any premiums paid by you and will not pay any claims.
Ending cover under this policy
When cover ends
Cover for insured property or for a full cover section may end in terms of the specific conditions shown in a cover section,
or when any of the following applies:
○ You no longer have an insurable interest in the insured property.
○ You ask us to cancel the cover.
○ We cancel the cover by giving you at least 31 days’ written notice. Our notice may include a condition that you
must comply with to prevent cancellation.
If you are covered under more than one cover section, cover under the rest of the policy will continue, unless this policy
ends as explained below.
When your policy ends
Your entire policy (the legal contract between Hollard and the policyholder) ends when any of the following events
happen:
○ You do not pay the premiums due under this policy as explained under the When and how to pay your
premiums section.
○ You no longer have an insurable interest in any of the insured property under this policy.