Page 23 - Hollard Namibia – Motor & Household Policy Wording

We also cover you for
The following value added benefits are automatically included and are limited to the amounts stated in the LIMIT SECTION.
Accidental death
We will cover you for accidental death if you die within 12 months after sustaining an injury on the premises following an insured event. This cover is only applicable to persons under the age of 76. Please take note that cover limits are different for persons younger than 19 years.
Accidental damage to household goods
We will cover you for accidental damage, excluding mechanical, electrical or electronic breakdown, which occurs in the home to the following items:
o Television sets, DVD players, decoders and sound-producing equipment, excluding cameras and photographic equipment;
o Television aerials or satellite dishes on the premises of the domestic home; o Mirrors or sheet-glass that forms part of any article of furniture.
Refrigerator and its contents
We will pay for food that has gone off in your refrigerator or freezer as a result of mechanical, electronic or electrical breakdown, or a prolonged loss of public electrical power supply. Damage to your fridge or freezer as a result of food going off following the power loss is also covered.
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.
Credit/debit-card fraud
We will pay you for losses arising from the fraudulent use of your credit card or debit card during any rolling 12-month period of insurance.
Fire brigade charges
We will pay for costs charged by the fire brigade for responding to an insured event.
Garden damage
We will pay you for damage to trees, plants, shrubs and irrigation systems on the grounds of the home resulting from:
o fire or explosion;
o extinguishing of a fire;
o impact by a vehicle or aircraft.
This is on condition that the home owner is not entitled to claim under his own insurance.
Damage to guests’ property
We will cover loss or damage to household items belonging to any non-paying, temporary guests caused by an insured event in your home. However, this does not include money and negotiable instruments, such as cheques or gift vouchers, or any items insured under any other policy.
Domestic worker’s property
You are covered for loss or damage to your domestic worker’s household goods and personal property caused by an insured event in your home or any of the outbuildings.
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Household contents