Page 64 - Policy Wording - Hollard Prestige Portfolio 1.4

What is covered
○ We will cover you against loss or damage from an insured cause which happens in any of the three locations stated under `Where are your contents covered’ during the period of insurance, subject to the terms, conditions, exclusions and limits stated in this policy.
○ Assets out means we will cover your personal belongings while you are out and about anywhere in the world. We will cover you up to the limit stated in the schedule for:
– jewellery and watches
– personal effects
– photographic equipment, cell phones, laptops, and
– any property normally worn or designed to be held or carried on a person when removed from the home.
○ Contents in storage
We will cover you against loss or damage to your contents that are stored in a commercial storage facility in the
Republic of South Africa but the following conditions apply:
– you must inform us in writing before you place your contents in storage
– the loss or damage must be caused by either fire, explosion, smoke, storm, flooding, theft or attempted theft, collision, impact, vandalism (deliberate destruction) or a malicious intentional act
– your contents are not insured against any of the above events by another insurer. The excess stated in the schedule applies to this cover.
○ Contents temporarily elsewhere means we will cover you against loss or damage to your contents while they are temporarily removed from the insured address stated in your schedule and contained in a building anywhere in the Republic of South Africa. The cover is limited to the amount stated in the schedule of the sum insured under this section. Theft or attempted theft is to be accompanied by evidence of violent and forced entry.
The excess stated in the schedule applies to this cover.
○ Limits that apply to jewellery and watches means we will pay for loss or damage to your jewellery and watches subject to the following:
–
–
–
cover will be limited to amount stated in the schedule while kept at home
any individual items specifically insured under Section 3, Assets specified will be paid under that section
when temporarily removed from the insured address to another building, theft or attempted theft must be accompanied by evidence of violent and forced entry when the building is unoccupied. Cover will be limited to the amount stated in the schedule
Section 2 – Contents
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023