Page 31 - Hollard Namibia – Motor & Household Policy Wording

Mechanical and Electrical Breakdown
What is not covered
Theft
We do not cover you for damage caused by theft or attempted theft.
Damage to certain items
We do not cover you for:
o rear-projection television;
o speakers and speaker masks;
o cabinets, frames, storage boxes or shelves of the appliances or audio visual equipment;
o electrical accessories such as remote controls;
o electronic gaming equipment;
o appliances that come from an un-authorised or unofficial supplier – for example, grey or parallel imports; o video cameras, camcorders and still cameras and its equipment;
o any item older than 10 years from the date of purchase;
o fixtures and fittings to the building, such as air conditioners or built-in stoves;
o any tools or gardening equipment, such as drills, screwdrivers or lawnmowers.
Using or maintaining insured items incorrectly
We do not cover you for damage where the insured item:
o was used incorrectly;
o was installed incorrectly;
o was not maintained according to the manufacturer's specifications; o was damaged as a result of defective workmanship;
o was used for something other than what it was designed for.
Damage caused by use
We do not cover you for damage caused by:
o deterioration such as rust or erosion including damage from sunlight and normal climate conditions; o vermin, insects, mildew, damp, wet or dry rot, or any other gradually operating cause;
o wear and tear including excessive usage;
o repairing, restoration or cleaning of household goods.
Damage to glass components and lenses
We do not cover you for damage to glass components, including scratched lenses.
Damage to electronic appliances
We do not cover you for damage caused by:
o leaking batteries;
o loss of recorded media, software or data; o TV image burn-in.
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