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Affordable Motor & Household Cover
Ease the financial pressure that accompanies loss & damage to your car and home.
You are covered for accidental loss or damage to your vehicle from any accidental cause. You are covered for loss or damage to your vehicle caused by fire or theft as well as any resulting liability to third parties.
We’ll cover you if you need to replace or repair your household possessions because of damage or theft.
Features & Benefits
What cover do you get?
You are covered against loss or damage to household contents caused directly by the following insured events:
Fire, lightning or explosion.
Storm, wind, water, hail, snow or flood.
Overflowing of water apparatus or leakage of oil.
Impact with the building by falling trees, motor vehicles, aircraft or animals.
Theft or attempted theft.
Comprehensive Motor Insurance
You are covered for accidental loss or damage to your motor vehicle from any accidental cause. You are also covered for loss or damage to your motor vehicle caused by fire or theft as well as any resulting liability to third parties.
We also cover you for:
Cover for courtesy cars.
Delivery after repair.
Emergency hotel expenses.
Keys, locks and remote-control units.
Factory fitted sound equipment.
Towing and storage following an accident or attempted theft.
Towing following a breakdown.
Liability cover when towing a trailer or caravan.
Liability cover when other people are using your motor vehicle.
Liability cover when you are the driver of a private motor vehicle that does not belong to you.
How to Claim
How to claim:
What you must do
If an event occurs that is likely to result in a claim, you must:
Take reasonable steps to prevent any further loss or damage;
Report the event as soon as possible (no later than 30 days after the insured event) to us;
Obtain the full name, address and registration number of any other parties involved, including possible witnesses;
in the event of a burglary, theft or vehicle accident report it to the police within 24 hours. In an event where a crime was committed a criminal case must be opened, for example theft or burglary.
What you must not do
It is important that you do not:
Admit guilt, fault or liability;
Offer or negotiate to pay a claim;
Approve any repairs (other than essential repairs necessary to minimise or prevent further loss or damage to your own property, limited to the amount stated in the LIMIT SECTION).
Your responsibilities during and after a claim
If you haven’t already dealt with this when you first reported the claim, please ensure you send us the following within 30 days after the event:
Full written details of the claim (on our standard forms, if required);
Particulars of any other policy covering the event;
Any other documentation we think is necessary to handle the claim (such as police documents, receipts, invoices or witness statements);
Proof of ownership, value and insurable interest, if requested by us;
Send us any further documentation you may receive later (such as a letter of demand).
Your assistance may be required if we decide to start legal proceedings against any party responsible
for the loss. Note that any such legal action may be taken in your name.
Your assistance may be required in the identification and recovery of stolen property for which assistance we will reimburse you for your reasonable out-of-pocket expenses.
Sign a release
You may have to sign a release before we pay you.
Claims procedure is at your own expense
Unless we specifically offer to pay, the entire claims procedure above is done at your own expense. We will never pay more than the amount stated in the LIMIT SECTION.
Time limits that affect your claim
You must be aware of time limits that may affect your claim
Don’t miss these key deadlines:
You must tell us immediately if you become aware of any possible prosecution, legal proceedings or claims against you which may result in a claim against your policy.
You must report any burglary, theft or vehicle accident to the police within 24 hours.
You must as soon as possible notify us of any insured event which may result in a claim, but no later than 30 days after the insured event.
If we formally reject or dispute a claim, you have 90 days to appeal this decision with us.
If we maintain our rejection, you have a further 180 days from the date we rejected the claim to institute any legal action by means of issuing summons against us.
Your claim will no longer be valid after 365 days, unless you have instituted legal action by means of issuing summons against us, or if the claim concerns your legal liability towards a third party.
What to do if your claim is rejected?
You may appeal
If we reject or dispute your claim, you have the right to appeal that decision. Send your complaint, in writing, to:
Hollard Insurance Company of Namibia Ltd
PO Box 5077
Fax: +264 61 422 349