Page 42 - Hollard Private Portfolio - Version 3.4

Buildings
○ Excavations on or under land other than mining operations.
○ Defective design, materials, or workmanship.
○ Loss of or damage to solid floor slabs or any other part of the private residential building or outbuildings resulting from the movement of such slabs, unless the foundations supporting the external walls of the building are damaged by the same cause at the same time.
○ Work necessary to prevent further loss or damage due to subsidence or landslip, except where appropriate design precautions were implemented during the original construction of the building and any subsequent additions thereto.
○ Consequential loss of any kind whatsoever except as specifically provided for under the Alternative accommodation or loss of rent benefit.
Superficial damage
We do not cover chewing, chipping, cracking, denting, discolouration, scratching or tearing of an item unless the functionality has been affected and it can no longer be used. This exclusion does not apply to fish tanks.
Thatched roof and non-standard construction
We will not pay for loss or damage to:
○ The private residential building (main building) that has a thatched roof or roof of non-standard construction, unless your policy schedule reflects that the roof is made of thatch or is a roof of non-standard construction.
○ An outbuilding or permanent structure with a roof that is more than 15% of the total square metres of the main building’s roof and has a thatched roof (such as a thatch lapa) or is of non-standard construction, unless the outbuilding or permanent structure is specifically mentioned in your policy schedule.
IMPORANT: We do not require the outbuilding or permanent structure to be specifically shown on your policy schedule if the surface area of its roof is less than 15% of the private residential building’s roofed area and this building is of standard construction.
Vermin and domestic animals
We do not cover loss or damage caused by domestic animals that belong to you or anyone living at your risk address. We also do not cover loss or damage caused by vermin, except for monkeys and baboons. Vermin are animals and insects that can be harmful and are difficult to control when they appear in large numbers. Vermin include moths, rodents, termites or any other animal or insect classified as invasive species.
Weeds and roots
We will not cover loss or damage caused by weeds and roots.
Your specific responsibilities
The specific responsibilities below are strict and require that you play your part in ensuring that you comply with the requirements at all times over the duration of your policy. If you do not comply with a specific responsibility we may reject your claim.
Have these minimum security measures
Cover for theft or malicious damage is subject to you meeting the minimum security requirements which we have agreed with you. The required security requirement for your home is stated in your policy schedule and will be one of the following:
Burglar bars and security gates
If it was agreed that the minimum security requirements are burglar bars and security gates, then the following conditions apply:
○ all opening windows must be protected by burglar bars
○ security gates must be fitted to all exit doors, and must be locked when your buildings are left unoccupied
○ burglar bars and security gates must be maintained and in working condition at all times.
40 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023