Page 45 - Hollard Private Portfolio - Version 3.3

Household contents
Water leakage from underground pipes
We will pay for any additional charges on your municipal water bill that result from leakage of underground pipes on your premises. This is subject to the following conditions:
○ the first reading following the date the leak was fixed, the water consumption must be more than 50% of the average of the previous four readings
○ the additional charges are not caused by:
– leaking taps, geysers, toilet systems or swimming pools
– loss of water from swimming pools or their pipes
○ your premises are not unoccupied for more than 60 days
○ you immediately trace the leak
○ you repair the leak at your own expense
○ we will not pay for more than two events in any 12-month period.
Wheelchair- and disability-friendly alterations
We will pay for reasonable alterations to enable you to continue using the building where your household contents are kept, if you are accidentally injured during the period of insurance and become wheelchair-bound or physically disabled as a result. Examples are installing ramps for your wheelchair or rails to assist with blindness.
If the limit for this benefit is not enough in the event of a claim and you have Buildings cover under this policy, we will pay any difference up to the limit of this benefit under the Buildings policy section.
Additional cover you can choose
Pay-out is limited
We will not pay more than the amount in the Schedule.
Accidental damage – extended cover
○ Accidental damage: You are covered for accidental loss or damage to your contents:
– inside your building, outbuildings or at your premises
– kept temporarily inside any other home up to the limit stated in the Schedule
– when your contents are being moved by professional movers during a permanent change of address.
○ Mechanical, electronic or electrical breakdown: If a domestic appliance suddenly and unexpectedly stops functioning correctly because of an internal mechanical, electronic or electrical breakdown, we will pay for the cost of repairing or replacing it. We will decide whether the appliance needs to be repaired or replaced. We will also pay for any parts that need to be modified or replaced.
Examples of domestic appliances: Fridges, freezers, dishwashers, washing machines, television sets, sound systems and artificial intelligence devices.
There is no cover if the mechanical, electronic or electrical breakdown is caused by any of the following:
– removal of any parts or tampering with the appliance
– tools used in the wrong way or an unqualified person attempting to repair the appliance
– negligence, misuse or use other than normal use for which the appliance has been designed
– operation of the appliance other than according to the manufacturer’s instructions
– no maintaining the appliance as per the manufacturer’s recommendations
– reception difficulties, unless these are a result of the breakdown
– incorrect installation of the appliance by any person.
Hollard Private Portfolio – Version 3.3 – 9 Feb 2023 43