Page 57 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
○ Contamination or odour
If we accept a claim for the cost to cover spoilt contents and we decide that the fridge or freezer can no longer
be used due to contamination or odour, we will replace your fridge or freezer.
In both instances, there will be no cover if loss or damage is due to loadshedding or an electricity grid failure.
This limit can be increased if you select the optional Accidental damage – extended cover.
Stamp and coin collections
You are covered for accidental loss or damage to your stamp or coin collections inside your home.
Temporary emergency measures
We will pay for the reasonable costs of temporary emergency measures you carry out to protect or prevent further loss
or damage to your household contents after an insured event under this policy section. The following conditions apply
to this benefit:
○ We will only pay back the costs if we accept the claim for the loss or damage after an event.
○ You must give us a detailed invoice for the costs you incurred for the temporary emergency measures.
Example of temporary emergency measures: Temporary fencing that was put up after a vehicle drove through a
boundary wall.
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.
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.
Veterinary expenses and medical benefit
We will pay the stated medical benefit for accidental bodily injury to any:
○ person, excluding yourself, caused by your domestic animals
○ guest or visitor caused by any defect in or on your premises
○ domestic employees in the course of their employment with you.
We will also pay for veterinary expenses incurred as a result of accidental bodily injury to any of your domestic animals
caused by a vehicle accident.
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 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 two incidents in a 12-month period.