Page 28 - Hollard Private Portfolio - Version 3.3

Holiday letting
If you are letting your home, we will cover loss or damage to your home up to the sum insured. We provide trauma counselling for paying guests up to the limit stated in the Schedule – this benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
The following conditions apply:
○ Holiday letting is limited to 90 days during a 12 month period.
○ There must be signs of forcible or violent entry for malicious damage and theft claims. Home improvements
We will cover you for the following:
○ Loss or damage to permanent fixtures that are temporarily removed during renovations or alterations of the building, or whilst being repaired or restored. The following conditions apply:
– These items may not be removed for longer than 60 days.
– There must be visible signs of forcible or violent entry in the case of theft.
– The fixtures must be stored indoors and locked up.
○ Theft of newly bought building materials, supplies and fittings on the following conditions:
– They are owned by you and are safely stored on the premises.
– They are intended for use in the renovation or alteration of the home.
– There must be visible signs of forcible or violent entry.
Keys, locks and remote controls
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, as well as 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 sufficient 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 additional cover so that we can increase the limit.
Medical benefit
We will pay the medical benefit if a defect in your buildings causes bodily injury to a guest, visitor or your own employees, and the injury requires medical treatment. However, if they can claim under their own policy or medical aid we will not make any payment.
New premises that are not yet registered
We will pay for loss or damage to your home for the period between you signing a Deed of Sale and the transfer of the property into your name by the Deeds Office. This is on condition that:
○ You add the building to your policy.
○ You give us all the details of the transaction.
○ You pay the premium.
○ The home is not insured by the seller or on the seller’s behalf.
Pest contamination
We will pay for professional extermination and control of pests caused by a sudden and unexpected infestation of your buildings that:
○ Is a risk to your health.
○ Can lead to loss or damage to your home.
○ Makes your home inhabitable.
Buildings
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Hollard Private Portfolio – Version 3.3 – 9 Feb 2023