Page 25 - Hollard Namibia – Motor & Household Policy Wording

Rent or alternative accommodation
If your home becomes uninhabitable because of the effects of loss or damage as a result of an insured event, we will cover you for the rental cost of living in alternative similar accommodation. This cover will apply until the home becomes habitable again.
Security guards
We will pay you for costs reasonably and necessarily incurred in employing a security guard following an insured event.
Theft from the grounds of the home
We will pay you for theft of items designed to be left outdoors such as garden furniture, patio furniture, flower containers, children’s play equipment, laundry, garden statues and ornaments, non-electrical / electronic domestic garden maintenance equipment, lawnmowers, power generating equipment and swimming pool equipment, such as safety nets and covers. These items are also covered for theft from outbuildings not made of brick, stone or concrete with slate, tile, metal, concrete or asbestos roof that is used to store these items.
Theft from a hotel, inn or guesthouse
We will pay you for theft of household goods following forcible and violent entry into any hotel, inn or guesthouse.
Theft from temporary residence
We will cover you for theft of household goods following clear signs of forcible and violent entry to or exit from any other residence or educational institution where you may temporarily be residing.
We do not cover theft from:
o any buildings of non-standard wall construction; o boarding houses or communes.
Theft from your place of employment
We will cover you for theft of household goods from your place of employment provided there are clear signs of forcible and violent entry into or exit from the premises.
Theft from furniture storage
We will cover you for theft of household goods from any place registered for the storage of goods provided there are clear signs of forcible and violent entry into or exit from the premises.
Theft from bank safe deposit
We will cover you for theft of household goods from a bank safe deposit provided there are clear signs of forcible and violent entry into or exit from the premises.
Theft from the home
We will pay you for theft from your home if there are no signs of forcible and violent entry into your home, provided you can prove to us that an event of theft occurred. We will however not pay you for any smart devices if there are no signs of forcible and violent entry, which must be specified under the “All Risks” section of the policy.
Trauma counselling
We will pay the expenses in respect of prescribed professional counselling if you become a victim of a violent act of theft, attempted theft, hold-up or hijacking.
Veterinary expenses
We will cover you 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.
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Household contents