Page 34 - Hollard Private Portfolio - Version 3.3

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Surge protection
A SANS approved surge protection device must be installed on the main electrical distribution board and the device must:
– Be designed to withstand peak surge currents of 40kA phase to neutral and of 12kA (10/350) neutral to earth.
– Be wired in terms of SANS 10142-1 Connection type 2.
– Have a mechanical fault indication.
– Be installed by a registered electrician who must provide a Certificate of Compliance for the installation.
Lightning conductor
If a lightning conductor is installed it must comply with the following requirements:
Buildings
If you live in a high-security complex
If your home is listed in the Schedule as being in a high-security complex, and we agreed that the minimum security requirements below apply to you, then you must ensure that the following security measures are in place at the complex, fully maintained and in working order at all times:
○ 24-hour access control to the complex
○ a high perimeter wall with electric fencing, alarmed and linked to either a 24-hour armed-response service or
the guardhouse
If you become aware that any of the above requirements are not in place, you must advise us immediately. We may suspend theft cover or apply new terms and conditions, until you are able to comply.
When your premises in the complex are left unoccupied, we will only consider your claim on the following conditions:
○ all opening windows not protected by burglar bars must be closed
○ all exit doors not protected by security gates must be locked
○ there must be clear signs of forced entry to or exit from the buildings
OR
○ if a 24-hour armed-response service linked alarm system is installed in the buildings
– the alarm must be activated
– 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 the alarm was not activated, we will consider your claim on the following conditions:
– There must be clear signs of forced entry 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 3 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: Additional security requirements may also be required if stated in the Schedule.
All non-standard construction buildings
You must tell us if your home is constructed of non-standard material. You will not be covered for loss or damage from a fire if your home is constructed of non-standard material and does not have either Surge protection or a Lightning conductor, as explained below.
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The lightning conductor must be installed, operated and maintained according to the manufacturer’s specifications.
The lightning conductor must be of adequate height to protect the building at a minimum angle of 45˚ from the top of the building to ground level and needs to be earthed.
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Hollard Private Portfolio – Version 3.3 – 9 Feb 2023