Page 36 - Hollard Namibia – Motor & Household Policy Wording

All Risks
Which items of your property are insured
Unspecified property
Unspecified property means everyday items of clothing and personal effects normally worn by or carried on one’s person and includes sports equipment and pedal cycles.
The following items of unspecified property are not covered:
o Tools
o Stamp or coin collections
o Pleasure-craft accessories, fittings and equipment
o Computer equipment and accessories (excluding portable external hard drives normally carried with you).
Examples are desktop computers, laptops, printers, scanners, etc. o Property that is more specifically insured
If you need cover for any of these items, you can insure it elsewhere under this policy.
Specified property
We will cover you for loss of or damage to items described in the SCHEDULE up to the sum insured stated in the SCHEDULE for any one insured event.
What is not covered
Items not covered
Under no circumstances will we cover the following items under All Risks:
o vehicles, motorcycles, scooters, three-wheeled vehicles, quad-bikes, golf carts, trailers, caravans, hang- gliders, aircraft or pleasure-craft – or any of their fitted equipment and accessories;
o money, credit cards, debit cards, phone cards, vouchers, deeds, bonds, bills of exchange, promissory notes, cheques, securities for money, manuscripts or documents of any kind;
o cameras, photographic equipment, sporting equipment and bicycles used for professional purposes or as part of your occupation;
o sound, lighting equipment and musical instruments used for reward;
o any laptops or desktop computers or its equipment, which must be insured under the “Personal Computers”
section of this policy.
The following events
We do not cover you for loss or damage that is caused by:
o wear and tear, misuse or where a component fails to perform to its intended design specification; o mechanical, electrical and electronic breakdown or failure of power tools;
o termites, insects, vermin, pests, moths or fumes;
o flaws or defects, whether present when the item was new or discovered afterwards;
o fluctuations in atmospheric or climatic conditions, or the effects of light;
o the actions of your own domestic pets;
o any process of dyeing, cleaning , repairing or maintenance;
o a slowly operating cause such as but not limited to rust, mildew, corrosion or decay;
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