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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Cyber insurance
The following exclusions as stated under the Specific exclusions – what we do not cover section of this policy
do not apply to Express kidnapping:
– Payment card not in your possession
– Tangible property and any consequential losses
– Threats by others
– Transfers or transactions via a bank ATM
Specific exclusions – What we do not cover
The exclusions shown under the General exclusions section do not apply to the benefits payable under your Cyber
insurance section. We will not pay a claim for any of the benefits shown in the Cyber Insurance cover section of this
policy that was caused by or related to any of the following specific exclusions.
Acts of terrorism
We do not cover acts of terrorism. This exclusion does not apply to cyber terrorism where someone damages, disrupts
or accesses your computer systems for religious or political purposes, to influence the government or to put the public
in fear.
Bodily injury, trauma, illness or death
There is no cover for bodily injury, trauma (except as covered under the Trauma benefit), illness or death.
Business or professional purposes
There is no cover for activities carried out by you for business or professional purposes.
Coins, tokens and keys when trading with cryptocurrencies
We do not cover coins, tokens and keys that are lost, misplaced, broken, modified, unavailable, inaccessible or delayed
when trading with cryptocurrencies. It includes coins (e.g. Bitcoin, Ethereum, Ripple, IOTA), tokens (e.g. EOS, NEM,
Tether) or public and private keys.
Computer systems in the following instances
There is no cover if you use computer systems when it has not:
○ Completed development.
○ Passed testing, including security assessments.
○ Proved to be successful in a live environment.
Contractual liability
There is no cover for contractual liability that you accepted by way of a contract with a third party.
Electricity grid failure
We do not cover loss, damage, any amount of any kind, or liability that is caused (in any way) by Electricity grid failure.
○ This exclusion also applies to consequential losses in respect of any public utilities that are affected by Electricity
grid failure, including but not limited to, the disruption of water, telecommunications and sewage systems. It
also applies to other consequential losses, such as the deterioration of any food or other items.
○ This exclusion does not apply to Loadshedding which remains covered subject to the terms and conditions in
your policy.
Events before the cover start date
We do not cover events which occurred or which you knew or should have known could lead to a claim before the cover
start date.