Page 30 - Hollard Private Portfolio - Version 3.4

Key terms to understand
You Buildings
You (the policyholder), your spouse, and any members of your immediate family who normally reside with you and are financially dependent on you.
○ The private residential building (main building) situated at the risk address as shown in your policy schedule and used for domestic purposes (for example a house, townhouse or flat).
○ Outbuildings, such as garages, storage rooms, staff quarters, studios, consulting rooms, flatlets, cottages or any other building that is not attached or connected to the main building with an interleading door.
○ Permanent structures such as garden sheds, Wendy houses, Zozo huts, green houses, paths and driveways, patios, tennis courts, walls, gates and fences, swimming pools, saunas, spa baths, ponds and water features.
○ Fixtures and fittings owned by yourself such as aerials, satellite dishes and masts, wind turbines, domestic tanks, gutters, fitted fish tanks and aquariums, fitted electrical and gas appliances.
○ Fixed machinery such as domestic filters, boreholes, pumps, motors and air- conditioning plants.
○ Systems fitted for solar power, climate-control, alarms, lighting, water recycling and water irrigation.
○ Municipal connections for water, sewerage, gas, electricity and telephone which includes underground pipes, cables, sewers and drains.
○ Glass doors, windows and sanitary ware including lettering, ornamental work and alarm sensors on glass.
○ Photo-voltaic systems (commonly referred to as solar PV systems), inverters, batteries and fixed generators directly connected to the building’s wiring.
○ Water heating systems and their individual components, such as electrical geysers, heat pumps and solar geysers (including solar panels connected to the solar geyser), hot water tanks, stands and tubes.
The definition of buildings does not include:
○ Inflatable or portable spas and swimming pools.
○ Buildings used as a hotel, motel or boarding house.
○ Water in a tank, swimming pool, spa or any other container unless specifically provided for by this policy.
○ Loose or compacted soil, earth, gravel, pebbles or granular rubber. For example, sand on tennis courts or gravel driveways.
○ Earthen walls and structures.
○ Earthen and gravel driveways.
○ Dam walls.
○ Piers, jetties, bridges and culverts.
Your private residential building, outbuildings and the grounds on which they are built, situated in South Africa.
The address in your policy schedule.
Your buildings are unoccupied if you or any of the people who usually live there or the person left on the premises in charge of and with access to the private residential building, have all gone out.
A building is uninhabitable when we agree that it is not safe or suitable to be lived in while being repaired because of a valid claim under this policy.
Premises
Risk address Unoccupied
Uninhabitable
Buildings
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Hollard Private Portfolio – Version 3.4 – 17 Aug 2023