Page 56 - Hollard Private Portfolio - Version 3.4

Household contents
Spoiling of food in fridge and freezer
○ Cost to cover spoilt contents
We will pay for the contents of your fridge or freezer (including medication) that is spoilt because of any of the following reasons:
– Failure of public power or gas supply, except in the following instances:
▪ You did not pay your bill or if you ran out of pre-paid electricity.
▪ Scheduled power cuts lasting less than 24 hours.
– Mechanical, electronic or electrical breakdown of your fridge or freezer.
– Electrical failure inside your home, for instance if your building’s power trips while you are away on holiday and all the food inside your fridge and freezer is spoilt.
– Accidental damage to the fridge or freezer which causes it to stop working.
○ Contamination or odour
If we decide that the fridge or freezer can no longer be used due to the spoilt contents causing contamination or odour, we will replace your fridge or freezer. This limit can be increased if you select the optional Accidental damage – extended cover.
Stamp and coin collections
You are covered for accidental loss or damage to your stamp or coin collections inside your home.
Temporary emergency measures
We will pay for the reasonable costs of temporary emergency measures you carry out to protect or prevent further loss or damage to your household contents after an insured event under this policy section. The following conditions apply to this benefit:
○ We will only pay back the costs if we accept the claim for the loss or damage after an event.
○ You must give us a detailed invoice for the costs you incurred for the temporary emergency measures.
Tracing of water leaks
We will pay for the cost of tracing the source of a water leak, provided that it originated after your cover started. However, we will not pay for the actual repair of the leak once it has been located; this will be your responsibility.
Trauma counselling benefit
We will pay for professional counselling to help you and your domestic employees to cope with trauma following a violent and traumatic event, such as theft, fire or a home invasion at your premises.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership. Veterinary expenses and medical benefit
We will pay the stated medical benefit for accidental bodily injury to any:
○ person, excluding yourself, caused by your domestic animals
○ guest or visitor caused by any defect in or on your premises
○ domestic employees in the course of their employment with you.
We will also pay for veterinary expenses incurred as a result of accidental bodily injury to any of your domestic animals caused by a vehicle accident.
Example of temporary emergency measures: Temporary fencing put up after a vehicle drove through a boundary wall.
54 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023