Page 55 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
○ 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.
Increase in sum insured over the holiday season
We will increase the sum insured of your contents by the percentage in your policy schedule during the holiday period
of 15 December to 31 January.
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.
Important documents
We will pay the cost of replacing the following important documents if they are lost, damaged or stolen from the home
or any other location in the world:
○ An identity document, driver’s licence and passport.
○ Valuations for your home and contents.
○ Wills and the land title to your home.
○ Marriage and birth certificates.
○ Contracts and agreements.
○ Education certificates.
There is no cover for manuscripts.
Keys, locks and remote controls
We will pay for the cost of replacing lost, stolen or damaged keys, locks (including damaged locks of the home) and
remote controls. This cover 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 required.
○ We will also provide cover if you suspect that an unauthorised person has access to duplicates.
Check your policy schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in
the event of loss or damage. If you feel that it is not enough, you may ask us for additional cover so that we can increase
the limit.
Money
We cover any loss of or damage to money inside the private residential building. We will not cover any losses outside the
private residential building or in an outbuilding.
There is a limit for money as shown in your policy schedule, but cover is further limited for theft of money in the
following instances:
○ There are no visible signs of forcible or violent entry into either the private residential building or locked safe
mounted onto the wall or floor.
○ Money is not kept in a safe.
Office contents
We will pay for loss or damage to any goods or equipment in your home or outbuildings that are solely used for
administrative or clerical work in your home office – for example, in your home profession or any one-person business
that you run on the premises. If, for example, you are a plumber we will cover your office desks, cabinets and computers
but not any of your tools, equipment or material you use to install or repair any plumbing.