Page 39 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Buildings
Tracing of water leaks
We will pay for the costs to trace the source of a water, gas or oil leak from fixed domestic appliances or pipes, as well
as the cost of the necessary repairs that arise as a result of tracing the leak, if it originated after your cover started. This
includes the cost of tracing of leaks from underground service pipes, sewers and drains for which you are legally liable.
○ You must ask us for our permission before you arrange for a water, gas or oil leak to be traced.
○ This benefit does not include the cost of the repairs to the leaking item. Limited cover is described under the
heading What we cover you for – leaks, flooding.
Trauma counselling benefit
We will pay for professional counselling to help you and your domestic employees to cope with trauma following a
violent and traumatic event, such as theft, fire or a home invasion at your premises.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
Water leakage from underground pipes
We will pay for any additional charges on your municipal water bill that result from the leakage of underground pipes on
your premises. The following conditions apply:
○ On the date the leak was fixed, the water consumption reading must be more than 50% of the average of the
previous four readings.
○ You took immediate steps to repair the pipes when you discovered physical evidence of a leak, or when you
received an abnormally high water account.
○ We will only pay for a limited number of incidents in any 12-month period.
○ We will not pay for:
– The cost of water from leaking taps, geysers, toilet systems, swimming pools, fish ponds or water
features, tanks, spas or any other container.
– The cost of the repairs to the leaking pipe. Limited cover is described under the heading What we
cover you for – leaks, flooding.
Wheelchair- and disability-friendly alterations
We will pay for alterations to your buildings if you are accidentally injured and become wheelchair-bound or physically
disabled. Examples include installing ramps for your wheelchair or rails to assist you.
○ The limit for this benefit is in addition to the sum insured of your building.
○ If the limit for this benefit is not enough in the event of a claim and you have Household contents cover under
this policy, we will pay any difference up to the limit of this benefit under the Household contents policy section.
Additional cover you can choose
The cover below is not automatic. It applies only if you have specifically requested it – i.e. it is listed as covered in your
policy schedule.
Accidental damage to buildings – increased cover
We will pay up to the limit stated in your policy schedule for accidental loss or damage to the buildings. Accidental
damage is sudden and unforeseen, which you did not intend to happen, for example accidentally breaking a glass hob
or a window.
This does not include loss or damage to the following items:
○ irrigation equipment, driveways, pavements, roads, cables, cableways, excavations or property below ground
○ fixed machinery.
The limit for this cover is in addition to the limit provided under the heading We also cover you for.