Page 70 - Hollard Private Portfolio - Version 3.5

68 Hollard Private Portfolio – Version 3.5 – 7 May 2024
All Risks
Remote blocking – specified property
If specified property is stolen from your vehicle without any forced entry and you blame that on interference with your
remote control by a jamming device, then you must prove it to us. The item must be out of view, for instance inside a
locked boot, inside the glove compartment or under a seat.
The amount of the pay-out will depend on whether the evidence is acceptable to us and whether it can be backed up by
CCTV footage. Check your policy schedule now to see the applicable limits.
Which items of your property are insured
Unspecified property
Unspecified property means everyday items of clothing and personal effects normally worn by or carried on one’s
person, or which often leaves your home.
It includes sports equipment – but you cannot claim for it if it breaks whilst in use. It also includes groceries while you
are transporting these from a place of purchase.
The following items cannot be covered under unspecified property:
○ vehicle sound equipment
○ computers (as defined, except for its accessories)
○ any telecommunication devices such as cell phones (excluding accessories)
○ rare books, metals, unset precious stones, individual stamps or coins (including Kruger coins)
○ pedal-cycles
○ property that is more specifically insured
○ items that are kept in a safety deposit box
○ drones and remote-controlled aeroplanes.
If you need cover for any of these items, you must specify them. Accessories for computers and telecommunication
devices don’t need to be specified, it is only the computer or telecommunication device itself that needs to be specified.
Specified property
Any item of property that is specifically listed in your policy schedule is covered.
This includes caravan contents, whether in the caravan itself or the side tent. It also includes sports equipment if it
breaks whilst in use as long as these items are specified.
How we insure computers
You can insure your computer under the All Risks cover section or the Personal computers cover section.
○ The main cover under both sections is exactly the same:
– We cover your computer for loss or damage anywhere in the world, from any cause that is not
specifically excluded.
– We also cover loss or damage to accessories, any software supplied by the manufacturer as part of
the computer, and any programs or software for which you have a legal licence, provided your sum
insured is sufficient.
○ If your computer is insured under the All Risks cover section, you can still extend your cover by selecting these
optional benefits under the Personal computers cover section:
– Electronic breakdown
– Ensuring compatibility between your old and new computer
– Reinstatement of data.