Page 24 - Hollard Namibia – Motor & Household Policy Wording

Household contents
Full-house (bowling)
If you score a full-house as an amateur bowler, you will be covered for the traditional celebratory expenses that usually accompany the event. The full-house must be certified by the bowling club.
Hole-in-one (golf)
If you score a hole-in-one as an amateur golfer, you will be covered for the traditional celebratory expenses that usually accompany the event. The hole-in-one must be certified by the golf club.
Goods in transit
We will pay you for loss of or damage to household goods as a result of collision, fire or theft while in transit to or from any place of purchase, repair or renovation along a reasonably direct route to or from your domestic home.
We will also pay for loss of or damage to household goods as a result of collision, fire or theft whilst being moved by a professional removal company during a permanent change in the risk address or when your household goods are in transit to or from a furniture-storage outlet or a bank safe deposit. This will also include items inside your vehicle when transporting household goods during a permanent change in the risk address.
Groceries in transit
We will pay you for loss of or damage to groceries carried in the vehicle as a result of collision, fire or theft along a reasonably direct route to your domestic home from the place of purchase.
Keys, locks and remote controls
We will pay for the cost of replacing lost or damaged keys, locks or remote controls, including the call-out costs of a technician. This will also apply if you have a reasonable suspicion that an un-authorised person has access to duplicates.
Liability to third parties
You are covered as a tenant for liability to third parties, such as members of the public and the property owner. The details are described under the Personal Liability section.
Loss of water from underground pipes
We will pay for any additional charges on your municipal water bill that result from leakage of underground pipes on your property. This is subject to the following conditions:
o the additional charge for the applicable quarter must exceed the average of the last 12 months by at least 50%;
o the additional charges are not caused by leaking taps, geysers, toilet systems, swimming pools or its pipes; o your home was not unoccupied for more than 60 days during this period;
o you immediately trace the leak and repair it at your own expense;
o we will not pay for more than two events in any 12-month period.
Medical expenses
We will pay you for medical expenses incurred as a result of accidental bodily injury caused by any defect in your home to any:
o person other than yourself or any other person covered by this policy; o domestic employee in the course of their employment with you.
Power surge
We will pay you for accidental damage to all electrical and electronic equipment inside the domestic home caused by a power surge.
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