Page 26 - Hollard Namibia – Motor & Household Policy Wording

Additional cover you can choose
The following benefits are available and when selected by you are shown in the SCHEDULE, limited to the amount stated in the LIMIT SECTION.
Accidental damage
Your contents are covered for accidental loss or damage, whether inside your home or at your address.
We do not cover:
o depreciation, or gradual causes such as wear and tear, rust, rising damp and mildew, corrosion or decay; o damage caused when not following the manufacturer’s instructions or when not using the item for its
intended purpose;
o damage caused by moths, vermin or insects;
o damage due to repairing, restoration or cleaning of items;
o damage to glass, glassware, porcelain or crystal;
o cracking or scratching (unless caused by theft, attempted theft, fire or explosion) of glassware, glass or other brittle articles other than jewellery, cameras, fixed glass or TV sets;
o mechanical, electrical or electronic breakdown of electronic and electrical equipment;
o damage to tools, gardening implements, garden furniture including pool-cleaning equipment; o the cost of reproduction or repair of data or software;
o loss of, or damage to, mobile phones, tablets or portable computers;
o loss or damage caused by your own domestic animals;
o any loss claimable under another section of the policy.
Home-industry cover
We will pay you for loss or damage to any goods or equipment in your home that are legitimately used for home-industry purposes or a one-person business that you run on the premises – for example, a hair salon or selling beauty products.
Subsidence and landslip
We will pay you for loss of or damage to your contents caused by subsidence, landslip or heave of the land supporting it.
You are not covered if this is caused by:
o normal settlement, shrinkage or expansion of the home;
o structural alterations, additions or repairs;
o the compaction of infill;
o defective or faulty design, construction, materials or workmanship; o alterations, additions or repairs to any building;
o excavations other than mining operations;
o removal or weakening of support to the home;
o any damage that existed before your policy started;
o the movement of solid floor slabs or any other part of the building, unless the foundations supporting the outside walls of the building are damaged at the same time.
If required, you will have to prove that the loss or damage being claimed for was caused by subsidence, landslip or heave.
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Household contents