Page 71 - Hollard - Private Portfolio Policy Wording

All Risks
You always pay the rst amount, or excess
You will always have to pay the rst part of any claim se lement. This is known as the excess, and is listed in the Schedule.
What we cover you for
Accidental loss or damage worldwide
We cover you for loss or damage to your insured property normally worn or carried by you anywhere in the world, from any accidental cause that is not speci cally excluded in this sec on.
In the case of speci ed property we even cover you for loss due to blocking of your remote control as set out hereunder.
Remote blocking – speci ed property
If speci ed property is stolen from your vehicle without any forced entry and you blame that on interference with your remote control by a blocking device, then you must prove it to us. 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 Schedule now to see what the applicable limits are.
Which items of your property are insured
Unspeci ed property
Unspeci ed property means everyday items of clothing and personal e ects normally worn by or carried on one’s person. It includes sports equipment – but you can’t claim for it if it breaks while you are playing. It also includes groceries while you are transpor ng it from a place of purchase.
Example
If you successfully claim R2 000 for a lost watch, and the excess for that claim is R250, your net pay-out from us will be R1 750.
Where is my insured property covered?
Your insured property (Unspeci ed and Speci ed) is covered while you are wearing it or carrying it with you anywhere in the world. If, however, your property is not carried or worn by you, you must comply with the requirements such as having it kept in a safe and taking reasonable steps to prevent loss or damage. Valuables should always be taken on board of ights as hand luggage and locked in a safe when at your accommoda on unless we have agreed otherwise.
Hollard Private Por olio 69