Page 58 - Hollard Private Portfolio - Version 3.4

There is no cover if the mechanical, electronic or electrical breakdown is caused by any of the following:
○ removal of any parts or tampering with the appliance
○ tools used in the wrong way or an unqualified person attempting to repair the appliance
○ negligence, misuse or use other than normal use for which the appliance has been designed
○ operation of the appliance other than according to the manufacturer’s instructions
○ not maintaining the appliance as per the manufacturer’s recommendations
○ reception difficulties, unless these are a result of the breakdown
○ incorrect installation of the appliance by any person.
The Mechanical and electronic breakdown exclusion as explained under the heading General exclusions in the Understanding your policy section does not apply to the Mechanical electronic or electrical breakdown benefit.
The limit for this additional cover is in addition to the limit provided under the heading We also cover you for. Bed & breakfast
If you run a guest house from your home, we will cover you for loss or damage up to your chosen sum insured. The following conditions apply:
○ You are allowed to rent a maximum of four bedrooms out to paying guests.
○ You must live on the premises.
○ There must be signs of forcible or violent entry for malicious damage and theft claims.
In addition, we will provide cover for the following benefits up to the limits stated in your policy schedule:
○ Stock and consumables: We will pay for loss or damage to any stock or consumables at the premises that are used to run the Bed & Breakfast.
○ Increase in the peak period: The sum insured will be increased by the limit stated in your policy schedule for long weekends, during festivals, during big sports events (for example, Argus cycle tour and Comrades marathon) and during school holidays stated in the official provincial school calendar.
○ Property of paying guests: We will cover loss or damage to the personal belongings of paying guests inside the home.
– This cover does not include loss of or damage to money, jewellery, watches and bank cards.
– The cover excludes household goods and personal belongings insured elsewhere.
○ Trauma counselling: We will pay the cost of professional counselling to help the paying guests with trauma if they are the victim of an act of violence or a traumatic accident at the premises. An act of violence includes an assault, robbery, rape or armed car hijack. We will not pay if you are covered under another policy for a similar benefit. This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
○ External signs, blinds and canopies: We will compensate you for damage to:
– external signs at the premises or elsewhere
– blinds and canopies at your premises.
○ Cleaning and dry-cleaning: We will pay for your liability arising from accidental loss or damage to guests' laundry while you were responsible to clean or dry-clean the laundry. The Maintenance and similar acts exclusion as explained under the heading General exclusions in the Understanding your policy section does not apply to this benefit.
Home-based business stock
You are covered for loss or damage to your business stock caused by an insured peril. This is on condition that:
○ ○
you have supplied us with full details of the business activities prior to any loss or damage you have described the type of stock to be insured
Household contents
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Hollard Private Portfolio – Version 3.4 – 17 Aug 2023