Page 53 - Hollard Private Portfolio - Version 3.4

Household contents
Damage to guests’ property
We will cover loss or damage to household items belonging to any non-paying, temporary guests caused by an insured event in your home or outbuildings. However, this does not include money and negotiable instruments, or any items insured under any other policy.
Domestic and wild animals
We will pay for loss or damage to your household contents caused by:
○ Wild animals, being non-domesticated animals living freely in their natural environment.
○ Domestic animals that do not belong to you.
Loss or damage caused by vermin is excluded, except for monkeys and baboons.
Domestic employee’s property
You are covered for loss or damage to your domestic employee’s household goods and personal property caused by an insured event in your home or any of the outbuildings.
Emergency-services expenses
We will pay for costs charged by any emergency-services provider – such as the fire brigade – for responding to an insured event.
Garden damage
We will pay for the cost of replacing any trees, shrubs or plants in your garden that need to be replaced after an insured event. This is on condition that the claim is not the result of theft and that the home owner is not entitled to claim under his own insurance.
Hole-in-one (golf), full-house (bowls) & SA record
The benefits payable are in addition to the sum insured of your household contents.
○ Hole-in-one and full house: We will pay the amount shown in your policy schedule for the traditional golf club or bowling club celebration if you score a hole-in-one or full-house, on condition that:
– You are an amateur golfer or bowler.
– The hole-in-one or full-house is certified on the score card by a representative of the golf club or
bowling club.
– In the case of bowls, a full-house will be regarded as eight shots scored in one end during a game of Fours.
○ South African record: We will pay the amount shown in your policy schedule if you break a South African record in any amateur sporting event.
– The relevant recognised sporting association must give us written confirmation of the South African record.
– We will not pay if you break more than one record during a calendar month, or more than three records in a 12-month period.
Holiday letting
The following benefits are covered for holiday letting:
○ Loss or damage: If you are letting your home to paying guests, we will cover loss or damage to your household contents up to the sum insured, whether you are staying on the property or not, except for accidental damage which is limited to the amount in your policy schedule. The following conditions apply:
– There must be visible signs of forcible or violent entry to or exit from the building for malicious damage and theft claims.
– Security deposits or payments made to you by paying guests for loss or damage to your household contents caused by the paying guests, will be deducted from any claim amount.
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