Page 38 - CCA Platinum Policy Wording

Household contents
Money
We will pay for loss of money or negotiable instruments, provided there are visible signs of violent and forcible entry to or exit from your home.
Office contents
We will pay for loss or damage to any goods or equipment in your house that are legitimately used for office purposes – for example, in your home profession or any one-person business that you run on the premises.
Personal documents
Following an insured event, we will pay for the cost of any materials and labour necessary to reinstate or obtain duplicates of your personal documents.
Refrigerator contents
We will pay for food that has gone off in your refrigerator or freezer as a result of mechanical or electrical breakdown, or a prolonged loss of electrical power.
This cover does not apply if:
○ your electricity has been cut off because you haven’t paid your bill, or there is load-shedding by any public authority for less than 24 hours
○ your house is left unoccupied for more than 60 consecutive days.
Damage to your fridge or freezer as a result of the power loss is not covered.
Rent
If your home becomes uninhabitable because of the effects of loss or damage, we will cover you for the rental cost of living in alternative similar accommodation. This cover will apply until your home becomes habitable once more.
Security guards
If you need to employ security guards on your property to keep it safe as a result of an insured event, we will pay that cost – as long as it is both necessary and reasonable.
Trauma counselling benefit
We will pay for professional counselling to help you cope with trauma if you should be the victim of theft, attempted theft, hold-up or hijacking.
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 your home
○ domestic employee in the course of their employment.
We will also pay for veterinary expenses incurred as a result of accidental bodily injury to any of your domestic animals caused by an accident on a public road.
36 HBM – CC&A Plain Language – 23 June 2014