Page 22 - Hollard Namibia – Motor & Household Policy Wording

Malicious damage
Intent to cause damage
You are covered for malicious damage to: o the contents of your home
o your contents in any other residence where you may be residing temporarily
Malicious damage occurs when someone (other than you) performs an act deliberately designed to cause you damage.
Theft
Theft or attempted theft
You are covered for theft, attempted theft or damage as a result of theft to the contents of your home.
In all cases there must be clear signs of forcible and violent entry to or exit from your home or temporary residence as specified below.
Cover is limited for
The following covers are included in the sum insured, but are limited to the amount stated in the LIMIT SECTION.
Clearing-up costs
We will pay for the cost of removing any household-goods debris from your premises after a claim.
Money
We will pay you for theft of money, provided there are visible signs of forcible and violent entry to or exit from your home.
Office contents
We will cover you for loss or damage to any office equipment or furniture in your home that are legitimately used for office purposes – for example, in your home profession or any one-person business that you run on the premises, provided it is not insured elsewhere.
Personal documents
We will cover you for the costs of replacing your identity document, drivers’ license and passport following an insured event. This cover includes fees charged by an agent to arrange the above.
Computer software and standard operating systems
Following a valid claim we will pay you for loss of or damage to software and standard operating systems on your computer equipment used in your personal capacity.
Household contents
Example
If someone deliberately cuts your furniture with a knife to cause you damage. However, if a child plays with a knife and cuts your furniture, it will not be covered.
Forcible and violent entry
Forcible and violent entry occurs when someone gains entry by forcing and breaking something (like a window or lock). It also occurs when you (or friends or family) are at home, and someone gains entry by threatening you (as in an armed robbery), for example.
20