Page 34 - Hollard Private Portfolio - Version 3.4

Buildings
Limited pay-out – unoccupied outbuildings
We pay out less than the sum insured for theft from inside unoccupied outbuildings if you do not have the minimum security requirements in place and there are no clear signs of forced entry to or exit from your outbuildings.
No pay-out
We will not pay for any loss or damage if your private residential building does not comply with the minimum security requirements when unoccupied.
8. Subsidence, landslip or ground heave
Limited cover
We will cover any loss or damage to the private residential building and domestic outbuildings (including fixtures and fittings attached to these buildings) caused by subsidence, landslip or ground heave. The following items and causes are not covered under the limited cover:
○ Loss or damage to boundary, retaining and garden walls, gate posts, fences, driveways, paving, swimming pools, tennis courts, septic or conservancy tanks, water paths, drains, paths and terraces, paving and swimming pool surroundings.
○ Loss of damage caused as a result of the contraction and/or expansion of active soils due to the moisture or water content of such active soil as is experienced in clay and other similar types of ground.
Specific exclusions apply to subsidence, landslip or ground heave (for both limited cover and extended cover), under What is not covered.
We also cover you for
In addition to the insured events outlined in the preceding pages, you are also covered for the following, subject to the relevant conditions, and up to the limits stated in your policy schedule.
Accidental damage to the buildings
We will pay for accidental loss or damage to your buildings. Accidental damage is sudden and unforeseen, which you did not intend to happen, for example accidentally breaking a glass hob or breaking a window.
This does not include loss or damage to the following items:
○ irrigation equipment, driveways, pavements, roads, cables, cableways, excavations or property below ground
○ fixed machinery.
Accidental damage does not apply while alterations, extensions or improvements such as painting or tiling are being
done at your home.
Check your policy schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for additional cover so that we can increase the limit.
Accidental damage to fixed machinery
We will pay for sudden and unexpected damage to fixed machinery installed at your premises which is used for domestic purposes only.
Check your policy schedule now to see if this limited cover is likely to be sufficient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for additional cover so that we can increase the limit.
Accidental death
We will cover you for the amount shown in your policy schedule if you suffer an accidental bodily injury at your property and you die within 90 days as a direct result of your injuries.
32 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023