Page 33 - Hollard Private Portfolio - Version 3.3

Buildings
○ Work necessary to prevent further loss or damage due to subsidence or landslip, except where appropriate design precautions were implemented during the original construction of the building and any subsequent additions thereto.
○ Consequential loss of any kind whatsoever except as specifically provided for under the Alternative accommodation or loss of rent benefit.
Thatched roof and non-standard construction
We will not pay for loss or damage to:
○ the main building that has a thatched roof, unless the Schedule reflects that the roof is made of thatch.
○ the main building that is of non-standard construction, unless the Schedule reflects that the building is of non- standard construction.
○ an outbuilding, with a roof that is more than 15% of the total square metres of the main building’s roof, and has a thatched roof (such as a thatch lapa) or is of non-standard construction (such as a Zozo hut/Wendy house), unless the outbuilding is specifically mentioned in the Schedule.
Your specific responsibilities
The specific responsibilities below are strict and require that you play your part in ensuring that you comply with the requirements at all times over the duration of your policy. If you do not comply with a specific responsibility we may reject your claim.
Have these minimum security measures
Cover for theft or malicious damage is subject to you meeting the minimum security requirements which we have agreed with you. The required security requirement for your home is stated in the Schedule and will be one of the following:
Burglar bars and security gates
If it was agreed that the minimum security requirements are burglar bars and security gates, then the following conditions apply:
○ all opening windows must be protected by burglar bars
○ security gates must be fitted to all exit doors, and must be locked when your buildings are left unoccupied
○ burglar bars and security gates must be maintained and in working condition at all times.
Alarm system
If it was agreed that the minimum security requirement is an alarm system, then the following conditions apply:
○ the alarm must be linked to a 24-hour armed-response service
○ the alarm must be working properly and the contract with the armed response company must be active
○ you must change the generic code to your own unique code
○ if we asked you to, the alarm must be linked to an electric fence, or must include outside alarm beams
○ the alarm must be activated when your premises are left unoccupied.
If the alarm was not activated, we will consider your claim on the following conditions:
○ There must be clear signs of forced entry to or exit from the buildings.
○ The claim is valid in all other respects. For example we didn’t reject it because of your dishonesty or intentional misrepresentation.
○ The service provider can give us an audit log of all alarms received (including activation and deactivation) for the last three months, showing that the alarm is usually activated and in working order while your premises are left unoccupied.
○ You must pay an additional excess on top of your basic excess.
IMPORTANT: If you are unsure of which security requirement applies, please check your Schedule.
Hollard Private Portfolio – Version 3.3 – 9 Feb 2023 31