Page 57 - Hollard - Private Portfolio Policy Wording

Household contents
Credit/debit-card fraud
We will pay you for losses arising from the fraudulent use of your credit card or debit card during any 12 month period of insurance.
Damage to guests’ property
We will cover loss or damage to household items belonging to any non-paying, temporary guests caused by an insured event in your home or outbuildings. However, this does not include money and nego able instruments, or any items insured under any other policy.
Domes c worker’s property
You are covered for loss or damage to your domes c worker’s household goods and personal property caused by an insured event in your home or any of the outbuildings.
Emergency-services expenses
We will pay for costs charged by any emergency-services provider – such as the re brigade – for responding to an insured event.
Full-house (bowls)
If you score a full-house as an amateur bowler, you will be covered for the tradi onal celebratory expenses that usually accompany the event. The full-house must be cer ed by the bowling club.
Garden damage
We will pay for the cost of replacing any trees, shrubs or plants in your garden a er a claim. This is on condi on that the claim is not the result of the or a empted the , and that the home owner is not en tled to claim under his own insurance.
Hole-in-one (golf)
If you score a hole-in-one as an amateur golfer, you will be covered for the tradi onal celebratory expenses that usually accompany the event. The hole-in-one must be cer ed by the golf club.
Increase in sum insured over holiday season
We will increase the sum insured of your contents by the percentage in the Schedule during the holiday period of 15 December to 31 January.
Keys, locks and remote controls
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, including the call-out costs of a technician and the reprogramming of any coded alarm system. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
Check your Schedule now to see if this limited cover is likely to be su cient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for addi onal cover so that we can increase the limit.
Hollard Private Por olio 55