Page 57 - Hollard Private Portfolio - Version 3.4

Household contents
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:
○ the first reading following the date the leak was fixed, the water consumption 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 premises 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 two events in any 12-month period.
Wheelchair- and disability-friendly alterations
We will pay for reasonable alterations to enable you to continue using the building where your household contents are kept, 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 Buildings cover under this policy, we will pay any difference up to the limit of this benefit under the Buildings policy section.
Additional cover you can choose
Pay-out is limited
We will not pay more than the amount in your policy schedule.
Accidental damage – extended cover
○ Accidental damage: You are covered for accidental loss or damage to your contents:
– inside your building, outbuildings or at your premises
– kept temporarily inside any other home up to the limit stated in your policy schedule
– when your contents are being moved by professional movers during a permanent change of address.
○ Mechanical, electronic or electrical breakdown: If a domestic appliance suddenly and unexpectedly stops functioning correctly because of an internal mechanical, electronic or electrical breakdown, we will pay for the cost of repairing or replacing it. We may choose whether a domestic appliance needs to be repaired or replaced. We will also pay for any parts that need to be modified or replaced.
There is no cover in any of the following instances:
○ the reason for the mechanical, electronic or electrical breakdown existed before the cover started
○ the claim is made within the first 60 days of the start of the policy
○ there are no spares available
○ parts of the appliance that have a short lifespan, such as batteries, bulbs, globes, fuses and knobs
○ the appliance is still covered under the manufacturer’s guarantee or warranty, or any other extended warranty policy.
Domestic appliances examples: Fridges, freezers, dishwashers, washing machines, television sets, sound systems, artificial intelligence devices.
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