Page 64 - Hollard Private Portfolio - Version 3.5

62 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
If the alarm was not activated, we will consider your claim on the following conditions:
○ There must be clear signs of forced entry to or exit from the buildings.
○ The claim is valid in all other respects. For example, we didn’t reject it because of your dishonesty or intentional
misrepresentation.
○ The service provider can give us an audit log of all alarms received (including activation and deactivation) for
the last three months, showing that the alarm is usually activated and in working order while your premises are
left unoccupied.
○ You must pay an additional excess on top of your basic excess.
IMPORTANT: If you are unsure of which security requirement applies, please check your policy schedule.
If you live in a high-security complex
If your home is listed in your policy schedule as being in a high-security complex, and we agreed that the minimum
security requirements below apply to you, then you must ensure that the following security measures are in place at the
complex, fully maintained and in working order at all times:
○ 24-hour access control to the complex
○ a high perimeter wall with electric fencing, alarmed and linked to either a 24-hour armed-response service or
the guardhouse
If you become aware that any of the above requirements are not in place, you must advise us immediately. We may
suspend theft or malicious damage cover or apply new terms and conditions, until you can comply.
When your premises in the complex are left unoccupied, we will only consider your claim on the following conditions:
○ all opening windows not protected by burglar bars must be closed
○ all exit doors not protected by security gates must be locked
○ there must be clear signs of forced entry to or exit from the buildings
OR
○ if a 24-hour armed-response service linked alarm system is installed in the buildings
– the alarm must be activated
– the alarm must be working properly and the contract with the armed response company must be
active
– you must change the generic code to your own unique code.
If the alarm was not activated, we will consider your claim on the following conditions:
– There must be clear signs of forced entry to or exit from the buildings.
– The claim is valid in all other respects. For example we didn’t reject it because of your dishonesty or
intentional misrepresentation.
– The service provider can give us an audit log of all alarms received (including activation and deactivation)
for the last three months, showing that the alarm is usually activated and in working order while your
premises are left unoccupied.
– You must pay an additional excess on top of your basic excess.
IMPORTANT: Additional security requirements may also be required if stated in your policy schedule.
All non-standard construction buildings
You must tell us if your home where your household contents are kept is constructed of non-standard material. You will
not be covered for loss or damage from a fire if your home is constructed of non-standard material and does not have
either Surge arrester or a Lightning conductor, as explained below.
○ Surge arrester requirements
If you choose to install a surge arrester, it must be as per the SANS/IEC 61643-11 low voltage surge protection
standards, installed on the main electrical distribution board and the device must: