Page 27 - Hollard Namibia – Motor & Household Policy Wording

Limited cover option
Theft and burglary cover excluded
You have the option to enjoy all the covers and benefits under this section, but excluding cover for burglary, theft or attempted theft, at a reduced premium.
Please check your SCHEDULE to ensure that you have selected the correct cover option and that you adhere to the minimum security requirements.
What is not covered
Events not covered
Loss or damage due to:
o alteration, misuse, mechanical, electrical or electronic breakdowns, failures or breakages, or where a component fails to perform to its intended design specification;
o flaws or defects, whether present when the item was new or discovered afterwards;
o fluctuations in atmospheric or climate conditions, or the effects of light;
o a slowly operating cause such as but not limited to rust, mildew, moth, corrosion or decay;
o a process of dyeing, cleaning, repairing or maintenance;
o vermin, insects or the actions of your own domestic pets;
o scorching, charring, melting, burning or smoke without flames;
o failure to take reasonable care to protect and maintain the insured property;
o loss or damage during a process of cleaning, restoring, altering, renovating, repairing or any process needing the use of water unless by public authorities in putting out a fire;
o accidental damage resulting in scratches, dents, cracks, chips or defacing, unless specifically covered under “Additional cover you can choose”;
o loss or damage to household goods left in the open, unless covered under “We also cover you for” section; o theft of laundry from communal washing lines.
Items not covered
We do not cover:
o negotiable securities such as deeds, bonds, bills of exchange, promissory notes and cheques;
o manuscripts or documents of any kind;
o collectables or collections, stamps, medals, coins or vouchers of any kind;
o vehicles, motorcycles, scooters, golf carts, three-wheeled vehicles, quad-bikes, caravans, trailers and all fitted accessories;
o aircraft, pleasure-craft, hang-gliders and their equipment;
o any animals;
o an amount more than 30% of the Household Goods sum insured for the total value of gemstones, jewellery, gold coins, furs, rugs, carpets and articles made of precious metals. You must ensure that the sum insured is sufficient to include these items;
o property insured elsewhere in the policy;
o the reproduction or repair of data of any kind;
o household goods whilst you have lent, let or sub-let the domestic home.
Household contents
25