Page 42 - Hollard Private Portfolio - Version 3.3

Domestic and wild animals
We will pay for loss or damage to your household contents caused by:
○ Wild animals, being non-domesticated animals living freely in their natural environment.
○ Domestic animals that do not belong to you.
Loss or damage caused by vermin is excluded, except for monkeys and baboons.
Domestic worker’s property
You are covered for loss or damage to your domestic worker’s household goods and personal property caused by an insured event in your home or any of the outbuildings.
Emergency-services expenses
We will pay for costs charged by any emergency-services provider – such as the fire brigade – for responding to an insured event.
Fridge or freezer contents
We will pay for the contents of your fridge or freezer that is spoilt because of any of the following reasons:
○ Failure of any public power supply, except in the following instances:
– You did not pay your bill or if you ran out of pre-paid electricity.
– Scheduled power cuts lasting less than 24 hours.
○ Mechanical, electronic or electrical breakdown of your fridge or freezer.
○ Electrical failure inside your home, for instance if your home’s power trips while you are away on holiday and
all the food inside your fridge and freezer is spoilt.
○ Accidental damage to the fridge or freezer which causes it to stop working.
Full-house (bowls)
If you score a full-house as an amateur bowler, you will be covered for the traditional celebratory expenses that usually accompany the event. The full-house must be certified by the bowling club.
Garden damage
We will pay for the cost of replacing any trees, shrubs or plants in your garden that need to be replaced after an insured event. This is on condition that the claim is not the result of theft and that the home owner is not entitled to claim under his own insurance.
Hole-in-one (golf)
If you score a hole-in-one as an amateur golfer, you will be covered for the traditional celebratory expenses that usually accompany the event. The hole-in-one must be certified by the golf club.
Holiday letting
If you are letting your home, we will cover loss or damage to your contents up to the sum insured. We limit accidental damage to your contents and provide trauma counselling for paying guests up to the limits stated in the policy 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. Increase in sum insured over holiday season
We will increase the sum insured of your contents by the percentage in the Schedule during the holiday period of 15 December to 31 January.
Household contents
40 Hollard Private Portfolio – Version 3.3 – 9 Feb 2023