Page 47 - Hollard Private Portfolio - Version 3.4

Household contents
Key terms to understand
You
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Household contents
○ Outbuildings, such as garages, storage rooms, garden sheds, Wendy houses, Zozo huts, greenhouses, 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.
Household tangible and movable items kept at the risk address, that belong to you or for which you are legally responsible. It also includes installed fixtures and fittings that belong to you, for example as a tenant or as the owner of a sectional title building, as long as the fixtures and fittings are owned by you and you are financially responsible for the fixtures and fittings under your rental agreement, and we have agreed to it in writing.
Renewable energy equipment and/or a photo-voltaic system attached to or permanently fitted to the building, forms part of household contents, if it meets the conditions under the Your specific responsibilities section.
The definition of Contents does not include:
○ The following items, including all their fitted accessories, motor vehicles, motorcycles, scooters, golf carts, three-wheeled vehicles, quad-bikes, watercraft, hang-gliders (including their equipment), aircraft, caravans and trailers (including their contents). Animals including fish, reptiles, pets and livestock.
○ Water in tanks, swimming pools, spas or any other water container.
○ Rare books, medals, unset precious stones, individual stamps or coins.
Means negotiable instruments such as bank notes, Krugerrands, traveller’s cheques and cards, credit cards, debit cards, phone cards, deed certificates, premium bonds, promissory notes, bills of exchange and any documents negotiable for money at face value.
Your home and outbuildings 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.
Your home, outbuildings and the grounds on which they are built. Means that all buildings have been built with:
○ walls of brick, stone or concrete and
○ roofs of slate, tile, concrete, asbestos or metal.
Means that a building has been built with material other than those defined in the above definition of "Standard construction" such as a thatch roof or walls of wood.
A guest who stays at the home for a short period, without a contract, in exchange for a fee.
A person who signed a rental agreement to live in the home for a set period. This includes sub-tenants.
Money
Unoccupied
Uninhabitable
Premises
Standard construction
Non-standard construction Paying guest
Tenant
Includes yourself, 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).
Hollard Private Portfolio – Version 3.4 – 17 Aug 2023 45