Page 39 - Hollard Private Portfolio - Version 3.4

Buildings
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:
○ on the date the leak was fixed, the water consumption reading 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 buildings 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 one event every 12 months.
Wheelchair- and disability-friendly alterations
We will pay for alterations to enable you to continue using your buildings, 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 Household contents cover under this policy, we will pay any difference up to the limit of this benefit under the Household contents policy section.
Additional cover you can choose
The cover below is not automatic. It applies only if you have specifically requested it – i.e. it is listed as covered in your policy schedule.
Accidental damage to buildings – increased cover
We will pay up to the limit stated in your policy schedule for accidental loss or damage to the 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 mage to the following items:
○ irrigation equipment, driveways, pavements, roads, cables, cableways, excavations or property below ground
○ fixed machinery.
The limit for this cover is in addition to the limit provided under the heading We also cover you for.
Accidental damage to fixed machinery – increased cover
We will pay for sudden and unexpected damage to fixed machinery installed at your premises which are used for domestic purposes only, up to the limit stated in your policy schedule.
The limit for this cover is in addition to the limit provided under the heading We also cover you for. Geyser – extended cover
Pay-out is limited to the amount stated in your policy schedule.
We cover the installation of green building products after a valid claim for the replacement of any water apparatus, such as a geyser. A green building product is one that meets the industry-recognised green standard for that kind of product in any of the following ways:
○ using less energy, water or natural resources;
○ generating less waste; or
○ providing a healthier environment.
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