Page 37 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Buildings
Glass and sanitary-ware
We will pay for the repair of any accidental breakage to fixed glass (for example, mirrors) and sanitary-ware (for example,
washbasins and toilet bowls), except when this is the result of chipping, scratching or disfiguration.
This cover does not apply when:
○ the buildings are unfurnished or unoccupied
○ the buildings are being structurally altered.
Holiday letting
We will cover you for the following:
○ Loss or damage: If you are letting your building, we will cover loss or damage to your building up to the sum
insured, whether you are staying on the property or not. The following conditions apply:
– There must be visible signs of forcible or violent entry to or exit from the building for malicious damage
and theft claims.
– Security deposits or payments made to you by paying guests for loss or damage to your building
caused by the paying guests, will be deducted from any claim amount.
○ Trauma counselling: We will pay the cost of a registered professional counsellor for the treatment of trauma
suffered by a paying guest due to theft, burglary, hijacking or fire that occurred on your property up to the limit
shown in your policy schedule.
– We will not pay you for expenses recoverable from any other insurance.
– This benefit does not provide the benefits of a medical scheme and is not a substitute for medical
scheme membership.
Home improvements
We will pay for loss or damage to permanent fixtures that are temporarily removed during alterations, renovations and
additions to your building or whilst being repaired or restored. The following conditions apply to this benefit:
○ The items are not removed for longer than 60 days.
○ In the case of theft, there are visible signs of forcible or violent entry to or exit from the property.
○ We do not cover loss or damage to fixtures left in the open unless the item is designed to exist in the open and
you have taken reasonable care to protect the item.
We will pay for the theft of newly bought and uninstalled building materials, supplies and fittings on the following
conditions:
○ They are owned by you and kept on the grounds of the premises.
○ They are intended for use in the renovation or alteration of the building.
○ We do not cover loss or damage to building materials, supplies and fittings left in the open unless the item is
designed to exist in the open and you have taken reasonable care to protect the item.
Imminent danger security costs
We will pay the reasonable and necessary security costs, preventative measure costs, or protection of property costs
incurred to prevent imminent loss or damage to your property that would be covered under this policy.
Keys, locks and remote controls
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, or damage to locks of your
building. This benefit also includes the following:
○ Locks, keys and remote controls to outside doors, safes, alarms and vehicles (even if the vehicle is not insured
under this policy).
○ The cost of a technician and any reprogramming that may be required.
○ We will also provide cover if you suspect that an unauthorised person has access to duplicates.