General Household Insurance does not include General All Risk items?

<p>The Policy Document does not inform the policy holder about the fact that General All Risk items are excluded from the general household insurance. Why? One would expect this to be made very clear to the policy holders? Their excuse or tactic is to hide it in the policy booklet, a separate document, which is sent to the policy holder once off after the policy start date. I cannot remember that anyone explained this to me up front, otherwise my wife and I would have asked for certain items to be included, such as bifocal prescription eyewear - which can be quite expensive, some jewelry, etc. Their reply to this is that "they are not obliged to disclose this to policy holders"(!?) Does this not contradict an act with regard to transparency in household insurance policies? An unsuspecting policy holder would expect that such "general" items are included in their general household insurance. But we get a shock when we want to claim for lost eyewear when we are told that it is not included after all... Is there a more honest and transparent Insurance Company in South Africa? If I find one I will certainly rather give my insurance to them. I am very disappointed in Hollard because of this non-transparency tactics which are clearly done in this way to avoid having to pay the claims of their unsuspecting clients.</p>