Page 44 - Hollard Namibia – Motor & Household Policy Wording

Buildings
Loss of water from underground pipes
We will pay for any additional charges on your municipal water bill that result from leakage of underground pipes on your property. This is subject to the following conditions:
o the additional charge for the latest quarter must exceed the average of the last 12 months by at least 50%; o the additional charges are not caused by leaking taps, geysers, toilet systems, swimming pools or its pipes; o your home was not unoccupied for more than 60 days during this period;
o you immediately trace the leak and repair it at your own expense, unless caused by an insured event;
o we will not pay for more than two events in any 12-month period.
Public supply or mains connection
We will pay for accidental loss or damage as a result of an insured event to water-, sewerage-, gas-, electricity- or telephone connections belonging to you, or for which you are responsible, between your home and the public supply.
Tracing of water leaks
We will pay for the cost of tracing the source of a water leak, provided that it originated after your cover started.
Liability to third parties
You are covered as a property owner for liability to third parties, such as members of the public. The details are described under the Personal Liability section.
Security guards
If you need to employ security guards on your property to keep it safe as a result of an insured event, we will pay that cost – as long as it is both necessary and reasonable.
Removal of fallen trees
We will pay for the cost of removing fallen trees from your property after an insured event. This is provided that the costs are necessary and reasonable, and that you first obtain our written consent.
Rent or alternative accommodation
If your home becomes uninhabitable because of damage to the building covered by this policy, we will cover you for the rental cost of living in alternative similar accommodation. This cover will apply until the building becomes habitable again.
Similarly, if any building on your property that earns you rental income – for example, a cottage – becomes uninhabitable because of damage covered by this policy, you will be covered for the loss of that rental income. This cover will apply until the building in question becomes habitable again.
The cover in this section does not apply when the house or any of the outbuildings are being structurally altered.
Swimming pool, spa and borehole pumps
We will pay you for accidental damage to fixed swimming pool, -spa and -borehole pumps at the domestic home. We also cover mechanical-, electronic- and electrical breakdown of these items that could not have been foreseen. Automatic pool cleaners are not covered by this section.
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