Page 58 - Hollard Private Portfolio - Version 3.5

56 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
○ We will not pay for:
– Water from leaking taps, geysers, toilet systems, swimming pools, fishponds or water features, tanks,
spas or any other container.
Wheelchair- and disability-friendly alterations
We will pay for modifications to your home if you are accidentally injured and become permanently 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 household contents.
○ If the limit for this benefit is not enough in the event of a claim and you have also insured your building under
this policy, we will pay any difference up to the limit of this benefit under the Buildings cover section.
Additional cover you can choose
Pay-out is limited
We will not pay more than the amount in your policy schedule.
Accidental damage – extended cover
○ Accidental damage: You are covered for accidental loss or damage to your contents:
– inside your building, outbuildings or at your premises
– kept temporarily inside any other home up to the limit stated in your policy schedule
– when your contents are being moved by professional movers during a permanent change of address.
○ Mechanical, electronic or electrical breakdown: If a domestic appliance suddenly and unexpectedly stops
functioning correctly because of an internal mechanical, electronic or electrical breakdown, we will pay for
the cost of repairing or replacing it. We may choose whether a domestic appliance needs to be repaired or
replaced. We will also pay for any parts that need to be modified or replaced.
Domestic appliances examples: Fridges, freezers, dishwashers, washing machines, television sets, sound systems and
artificial intelligence devices.
There is no cover in any of the following instances:
○ the reason for the mechanical, electronic or electrical breakdown existed before the cover started
○ the claim is made within the first 60 days of the start of the policy
○ there are no spares available
○ parts of the appliance that have a short lifespan, such as batteries, bulbs, globes, fuses and knobs
○ the appliance is still covered under the manufacturer’s guarantee or warranty, or any other extended warranty
policy.
There is no cover if the mechanical, electronic or electrical breakdown is caused by any of the following:
○ removal of any parts or tampering with the appliance
○ tools used in the wrong way or an unqualified person attempting to repair the appliance
○ negligence, misuse or use other than normal use for which the appliance has been designed
○ operation of the appliance other than according to the manufacturer’s instructions
○ not maintaining the appliance as per the manufacturer’s recommendations
○ reception difficulties, unless these are a result of the breakdown
○ incorrect installation of the appliance by any person.
The Mechanical and electronic breakdown exclusion as explained under the heading General exclusions in the
Understanding your policy section does not apply to the Mechanical electronic or electrical breakdown benefit.
The limit for this additional cover is in addition to the limit provided under the heading We also cover you for.