Page 28 - Hollard Namibia – Motor & Household Policy Wording

Household contents
Loss or damage from non-standard construction
Your policy is valid only if your home and outbuildings are of standard construction – i.e. the walls and roof are solidly built of material such as brick, stone or metal. Any exceptions to this requirement must be specified in the SCHEDULE.
Thatched roof
You cannot claim for loss or damage if your home has a thatched roof, unless this is specifically mentioned in the SCHEDULE.
If the home is unoccupied for more than 60 days
You do not have cover if the home is unoccupied for more than 60 (sixty) consecutive days, unless we agreed to provide cover and is stated in the SCHEDULE. The home is regarded as unoccupied when you and any of the people who normally live there are not at home.
Please note that the presence of your domestic worker on the property does not constitute occupation, even if they are living in any of the outbuildings, or in their domestic quarters.
If you do renovations to the home
You do not have cover for loss or damage as a result of any building work, renovations or building alterations of any kind, unless we agreed to provide cover.
Your specific responsibilities
Notify us
You must notify us if:
o the roof or walls of your home are of non-standard construction, or
o the construction of your home has changed to non-standard construction.
Tell us if you change your address
You must tell us immediately if you permanently move to a new address. We may impose new terms, premiums and conditions.
Keep jewellery in a safe
You must keep all jewellery, gold, silver, platinum, watches and precious or semi-precious stones valued at more than the amount stated in the LIMIT SECTION in a securely locked wall- or floor mounted safe when not in use. If you do not, we will not pay you more than the amount stated in the LIMIT SECTION.
Provide us with valuation certificates
When you claim, you must provide us with a valuation certificate from a registered jeweller or valuator for items valued at more than the amount stated in the LIMIT SECTION. The jeweller or valuator must have issued the certificate before the loss or damage occurred.
If you do not, we will not pay you more than the amount stated in the LIMIT SECTION.
Security measures
You must have the minimum required or declared security measures, as stated in the SCHEDULE, in place on your property at all times, fully maintained and in working order. If you do not comply with this, your cover will be limited to the amount stated in the LIMIT SECTION.
26