Page 66 - Hollard - Private Portfolio Policy Wording

Household contents
If you live in a high-security complex
If your home is listed in the Schedule as being in a high-security complex, then you must ensure that the following security measures are in place at the complex at all mes, fully maintained and in working order:
○ 24-hour access control to the complex
○ a perimeter wall (minimum 1.8 metres high) with electric fencing, alarmed and linked to either a 24-hour
armed-response service or the guardhouse
○ when your premises in the complex are le unoccupied:
– all windows must be closed and
– all doors leading outside must be locked.
You must advise us immediately if any of the above requirements are not in place. We may suspend the cover or apply new terms and condi ons, un l you are able to comply.
In addi on, the following security measures may also apply if stated in the Schedule:
○ all opening windows, louvres and skylights must be protected by burglar bars
○ security gates must be ed to all exi ng doors, and must be locked when your premises in the complex is le unoccupied
○ an alarm system must be installed that complies with the following requirements:
– the alarm must be linked to a 24-hour armed-response service
– the alarm must be working properly
– it must be ac vated when your premises in the complex are le unoccupied
– you must change the generic code to your own unique code.
If you are unsure of which security requirement applies, please check your Schedule.
All non-standard construc on buildings
Your household contents kept in a building of non-standard construc on is covered for loss or damage caused by re, only if you comply with following condi ons:
○
Surge and re protec on
– – – – – – OR
you must install surge protec on (LPS) equipment in accordance with Na onal Building Regula ons (SANS speci ca on)
it must be installed by a person (LPS installer) who is competent to install, construct and test the LPS for compliance with the requirements
you must also be in possession of an installa on safety report issued by the designer or installer of the LPS
it must be serviced at least once every 3 years by a LPS installer and you must supply us, in the form of a maintenance cer cate, with wri en proof of this if required by us
you must install at least a 5 kg CO2 re ex nguisher in every kitchen or cooking area and on every oor or lo if the building is higher than one storey
the re ex nguishers must be maintained and serviced at least once a year.
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Hollard Private Por olio