Page 67 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 2 – Contents
○ Fire department charges
We will pay for any cost incurred to extinguish a fire or for preventing imminent fire damage to your contents up
to the Fixed limit stated in the schedule.
○ Hiring of security guards
We will pay for necessary costs incurred in employing a security guard following loss or damage after an insured cause provided the loss gives rise to a claim, up to the Fixed limit stated in the schedule.
○ Hole-in-one/full-house
In the event that you hit a hole-in-one on any recognised golf course worldwide, during a match played in accordance with the official rules of golf, or achieve a full-house in a game of bowls during an amateur tournament at any recognised bowling club, we will pay you up to the Fixed limit stated in the schedule, provided that written confirmation is obtained from the secretary of the golf or bowling club.
○ Identity theft cover
If you are a victim of identity theft, then we will pay the costs you have to pay in attempting to re-establish your
personal credit history including:
– your unpaid leave for any time taken off from work as a result of identity theft
– extra loan application fees that you incurred from having to re-apply for a loan declined due to false credit history
– costs to obtain and correct your credit rating report
– telephone, fax and postage costs spent to recreate your creditworthiness
– travel costs spent to recreate your creditworthiness
– legal fees agreed by us
– defending actions incorrectly brought against you by retailers and collection agencies
– removing incorrectly recorded civil judgements against you
– preparing legal statements, statutory declarations or affidavits required by the police, your bank or credit provider.
The most we will pay in the period of insurance is the limit stated in the schedule per calendar year. We do not cover the following:
– payment of any debts resulting from identity theft
– any costs or fees incurred in reinstating your credit status or good name relating to or for a business activity
– speeding or parking fines or infringements
– costs to re-establish identity or credit records outside the Republic of South Africa
– any costs recoverable from your bank, credit card or credit provider
– costs not supported by written evidence.
Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023 65