Page 30 - Hollard Private Portfolio - Version 3.5

28 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Buildings
Key terms to understand
Buildings
○ The private residential building (main building) situated at the risk address as
shown in your policy schedule and used for domestic purposes (for example a
house, townhouse or flat).
○ Outbuildings, such as garages, storage rooms, staff quarters, studios, consulting
rooms, flatlets, cottages or any other building that is not attached or connected
to the main building with an interleading door.
○ Permanent structures such as garden sheds, Wendy houses, Zozo huts, green
houses, paths and driveways, patios, tennis courts, walls, gates and fences,
swimming pools, saunas, spa baths, ponds and water features.
○ Fixtures and fittings owned by yourself such as aerials, satellite dishes and
masts, wind turbines, domestic tanks, gutters, fitted fish tanks and aquariums,
fitted electrical and gas appliances.
○ Fixed machinery such as domestic filters, boreholes, pumps, motors and air-
conditioning plants.
○ Systems fitted for solar power, climate-control, alarms, lighting, water recycling
and water irrigation.
○ Municipal connections for water, sewerage, gas, electricity and telephone
which includes underground pipes, cables, sewers and drains.
○ Glass doors, windows and sanitary ware including lettering, ornamental work
and alarm sensors on glass.
○ Photo-voltaic systems (commonly referred to as solar PV systems), inverters,
batteries and fixed generators directly connected to the building’s wiring.
○ Water heating systems and their individual components, such as electrical
geysers, heat pumps and solar geysers (including solar panels connected to the
solar geyser), hot water tanks, stands and tubes.
The definition of buildings does not include:
○ Inflatable or portable spas and swimming pools.
○ Buildings used as a hotel, motel or boarding house.
○ Water in a tank, swimming pool, spa or any other container unless specifically
provided for by this policy.
○ Loose or compacted soil, earth, gravel, pebbles or granular rubber. For example,
sand on tennis courts or gravel driveways.
○ Earthen walls and structures.
○ Earthen and gravel driveways.
○ Dam walls.
○ Piers, jetties, bridges and culverts.
Premises Your private residential building, outbuildings and the grounds on which they are built,
situated in South Africa.
Risk address The address in your policy schedule.
Unoccupied Your buildings are unoccupied if you or any of the people who usually live there or
the person left on the premises in charge of and with access to the private residential
building, have all gone out.
Standard construction Means that all buildings have been built with:
○ walls of brick, stone or concrete.
○ roofs of slate, tile, concrete, asbestos or metal.