Page 43 - Hollard Namibia – Motor & Household Policy Wording

Buildings
We also cover you for
The following value added benefits are automatically included and are limited to the amount stated in the LIMIT SECTION.
Accidental breakage of glass and sanitary ware
We will pay for accidental breakage of:
o fixed glass and mirrors, except for damage as a result of scratching or disfiguration;
o fixed sanitary-ware, except for damage as a result of chipping, scratching, dents or disfiguration. This cover does not apply when:
o the building is unfurnished or unoccupied;
o the building or any of the outbuildings are being structurally altered.
Damage to gardens
We will cover you for damage to trees, plants, shrubs and irrigation systems on the grounds of the domestic home resulting from:
o fire or explosion;
o extinguishing of a fire;
o impact of a vehicle or aircraft.
Demolition and professional fees
When you have a claim and the building has to be demolished, we will pay the following additional costs that you may have to incur, provided the total building sum insured is sufficient to include these costs and you get our written consent:
o demolishing the building, removing debris and erecting hoardings required for building operations; o fees for the services of architects, quantity surveyors, consulting engineers and local authorities;
o any actions required by a public authority.
Fire brigade charges
We will pay for costs charged by the fire brigade for responding to an insured event.
Gate motor and garage-door motor
We will pay for the repair or replacement of your electric gate motor or your garage-door motor, in the event of accidental damage or electrical-, electronic- or mechanical breakdown.
Geyser Repairs
We will cover you for repairs to and / or replacement of the valves, elements and thermostats of your geyser, without you having to pay any excess. However, if the geyser must be replaced the standard excess will apply.
Increased house value through improvements
If you increase the value of your house through any alterations, extensions or improvements, we will automatically increase the sum insured of the building by up to 20%, provided that you tell us within 30 days of completion of the alterations or improvements and pay the additional premium.
Keys, locks and remote control units
We will pay for the cost of replacing lost or damaged keys, locks or remote controls, including the call-out costs of a technician. This will also apply if you have a reasonable suspicion that an un-authorised person has access to duplicates.
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