Page 46 - Hollard Private Portfolio - Version 3.3

There is also no cover in any of the following instances:
– the reason for the mechanical, electronic or electrical breakdown existed before the cover started
– the claim is made within the first 60 days of the start of the policy
– there are no spares available
– parts of the appliance that have a short lifespan, such as batteries, bulbs, globes, fuses and knobs
– the appliance is still covered under the manufacturer’s guarantee or warranty, or any other extended warranty policy.
○ What is not covered
Accidental damage and mechanical, electronic and electrical breakdown cover does not include any of the
following:
– depreciation, or gradual causes such as wear and tear, deterioration, rust, rising damp and mildew, corrosion or decay
– a cleaning, repairing or restoration process
– accidental damage while alterations, extensions or improvements such as painting or tiling are being
done at your home
– cracking or scratching of glassware, glass or other brittle articles, not packed by professional movers, unless caused by theft, attempted theft, fire or explosion
– the cost of reproduction or repair of data or software
– any loss claimable under another clause or section of the policy.
Bed & breakfast
If you run a guest house from your home, we will cover you for loss or damage up to your chosen sum insured. The following conditions apply:
○ You are allowed to rent a maximum of four bedrooms out to paying guests.
○ You must live on the premises.
○ There must by signs of forcible or violent entry for malicious damage and theft claims.
In addition, we will provide cover for the following benefits up to the limits stated in the Schedule:
○ Stock and consumables: We will pay for loss or damage to any stock or consumables at the premises that are used to run the Bed & Breakfast.
○ Increase in the peak period: The sum insured will be increased by the limit stated in the Schedule for long weekends, during festivals, during big sports events (for example, Argus cycle tour and Comrades marathon) and during school holidays stated in the official provincial school calendar.
○ Property of paying guests: We will cover loss or damage to the personal belongings of paying guests inside the home.
– This cover does not include loss of or damage to money, jewellery, watches and bank cards.
– The cover excludes household goods and personal belongings insured elsewhere.
○ Trauma counselling: We will pay the cost of professional counselling to help the paying guests with trauma if they are the victim of an act of violence or a traumatic accident at the premises. An act of violence includes an assault, robbery, rape or armed car hijack. We will not pay if you are covered under another policy for a similar benefit. This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
○ External signs, blinds and canopies: We will compensate you for damage to:
– external signs at the premises or elsewhere
– blinds and canopies at your premises.
○ Cleaning and dry-cleaning: We will pay for your liability arising from accidental loss or damage to guests' laundry while you were responsible to clean or dry- clean the laundry.
Household contents
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Hollard Private Portfolio – Version 3.3 – 9 Feb 2023