Page 69 - Hollard Private Portfolio - Version 3.4

All Risks
Which items of your property are insured
Unspecified property
Unspecified property means everyday items of clothing and personal effects normally worn by or carried on one’s person, or which often leaves your home.
It includes sports equipment – but you cannot claim for it if it breaks whilst in use. It also includes groceries while you are transporting these from a place of purchase.
The following items cannot be covered under unspecified property:
○ vehicle sound equipment
○ computers (as defined, except for its accessories)
○ any telecommunication devices such as cell phones (excluding accessories)
○ rare books, metals, unset precious stones, individual stamps or coins (including Kruger coins)
○ pedal-cycles
○ property that is more specifically insured
○ items kept in a safety deposit box
○ drones and remote-controlled aeroplanes.
If you need cover for any of these items, you must specify them. Accessories for computers and telecommunication devices don’t need to be specified, it is only the computer or telecommunication device itself that needs to be specified.
Specified property
Any item of property that is specifically listed in your policy schedule is covered.
This includes caravan contents, whether in the caravan itself or the side tent. It also includes sports equipment if it breaks whilst in use as long as these items are specified.
How we insure computers
You can insure your computer under the All Risks cover section or the Personal computers cover section.
○ The main cover under both sections is exactly the same:
– We cover your computer for loss or damage anywhere in the world, from any cause that is not
specifically excluded.
– We also cover loss or damage to accessories, any software supplied by the manufacturer as part of the computer, and any programs or software for which you have a legal licence, provided your sum insured is sufficient.
○ If your computer is insured under the All Risks cover section, you can still extend your cover by selecting these optional benefits under the Personal computers cover section:
– Electronic breakdown
– Ensuring compatibility between your old and new computer
– Reinstatement of data
Items kept in a safety deposit box
○ We will cover you against loss or damage of your items in a vault or safety deposit box at a bank or similar secure facility.
○ You will be covered for the sum insured as shown in your policy schedule, on condition that you notify us when temporarily removing the item. If you have not notified us, we will cover you up to the limit as shown in your policy schedule.
○ You will also have cover up to the sum insured as shown in your policy schedule while items are in transit to or from any bank, secure facility, place of purchase, place of repair and your home.
Hollard Private Portfolio – Version 3.4 – 17 Aug 2023 67