Page 48 - Hollard Private Portfolio - Version 3.3

Certain specific items
Securities, manuscripts, medals, livestock, etc.
○ negotiable securities such as deeds, bonds, bills of exchange, promissory notes and cheques
○ manuscripts or documents of any kind
○ prepaid phone cards or cellphone vouchers
○ motor vehicles, motorcycles, scooters, golf carts, three-wheeled vehicles, quad-bikes, caravans, trailers and all fitted accessories
○ aircraft, pleasure-craft, hang-gliders and their equipment
○ livestock or other animals
○ rare books, medals, unset precious stones, individual stamps or coins (including Kruger coins), unless specified in the Schedule
○ any item that you specifically insure in this policy or any other policy. Thatch roof and non-standard construction
Your policy is valid only if your home and outbuildings are of standard construction – i.e. the walls and roof are solidly built of material such as brick, stone or metal.
You cannot claim for loss or damage to your contents if your home or outbuildings have a thatch roof or it is built of non- standard construction, unless the thatch roof or construction is stated in the Schedule.
An outbuilding with a thatched roof (such as a lapa) or built of non-standard construction (such as a Zozo hut/Wendy house), does not need to be noted on the Schedule if its roof is less than 15% of the total square metres of the main building’s roof.
Jewellery, watches, rugs, art, etc. covered up to 33.33%
We will not pay for more than 33.33% of the sum insured for loss or damage to precious metals and stones, jewellery, watches, furs, rugs, art and carpets.
Structural alterations or additions
We do not cover loss or damage to your household contents during structural building alterations or additions to the home in the following instances:
○ cracking, collapse, subsidence, landslip or ground heave caused fully or partially by the alterations or additions ○ accidental damage caused by the contractor
○ theft unless there is evidence of violent and forced entry or exit from the building
○ water, storm or flood damage where structural alterations and additions have not been fully completed
○ malicious damage or vandalism caused by the contractor to contents in unfinished parts of the building. Theft from an unattended vehicle
There is no cover for theft from an unattended vehicle, except in the following instances:
○ The vehicle itself is securely parked (for instance inside a locked building or behind locked gates), and there are clear signs of forcible or violent entry into the building or the premises.
○ The vehicle is locked, there are clear signs of forced entry and the item is out of view, for instance inside a locked boot, inside the glove compartment or under a seat.
○ In the case of remote jamming, there is no cover unless there is CCTV footage or other indisputable proof available.
When the home is lent, let or sublet
We do not cover theft and malicious damage if you lend, let or sub-let the home, unless there are visible signs of forcible or violent entry to or exit from the home.
Household contents
46 Hollard Private Portfolio – Version 3.3 – 9 Feb 2023