Page 61 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 2 – Contents
○ Contents temporarily elsewhere means we will cover you against loss or damage to your contents while they are
temporarily removed from the insured address stated in your schedule and contained in a building anywhere in
the Republic of South Africa. The cover is limited to the amount stated in the schedule of the sum insured under
this section. Theft or attempted theft is to be accompanied by evidence of violent and forced entry.
The excess stated in the schedule applies to this cover.
○ Limits that apply to jewellery and watches means we will pay for loss or damage to your jewellery and watches
subject to the following:
– cover will be limited to amount stated in the schedule while kept at home
– any individual items specifically insured under Section 3, Assets specified will be paid under that section
– when temporarily removed from the insured address to another building, theft or attempted theft must
be accompanied by evidence of violent and forced entry when the building is unoccupied. Cover will be
limited to the amount stated in the schedule
– when kept in a vehicle the items must be out of sight and the vehicle securely locked or the items must be
housed in a securely locked building and entry to the vehicle or building must be accompanied by evidence
of violent and forced entry but subject to 'Out of vehicle cover as stated under Additional cover'. The
excess stated in the schedule applies to this cover
– unless you are able to provide proof of purchase as described under 'How we settle your claim' we will not
pay more than the limit stated in the schedule anyone item at the time of the loss or damage
– you must keep each item of jewellery or watches with a value in excess of the limit stated in the schedule
in a locked safe that is fixed to the building when the buildings you keep your jewellery and watches in are
unoccupied. Alternatively the items should be worn or carried by you at the time of the loss. If not, the
payment will be limited to the amount stated in the schedule per item.
○ Liability to the public
We will cover you for personal legal liability under Section 5, Personal Liability as far as it applies to your liability
as the owner of the contents.
○ Removal of contents means we will cover you against loss or damage under this section when:
– professional furniture removal contractors remove your contents during a permanent change of insured
address
– your contents are in transit to or from a furniture storage facility and/or bank safe deposit
– your contents are in transit between the place of purchase, repair or renovation and your insured address,
provided that:
•
reasonable steps have been taken to safeguard each item
•
the items are out of sight and the transporting vehicle is securely locked, or