Page 43 - Hollard Private Portfolio

Buildings
Applies only if specified
The cover below is not automatic. It applies only if you have specifically requested it – i.e. it is listed as covered in the Schedule.
Accidental damage to buildings – increased cover
We will pay up to the limit stated in the Schedule for accidental loss or damage to the buildings.
This does not include loss or damage to the following items:
○ irrigation equipment, driveways, pavements, roads, cables, cableways, excavations or property below ground. In addition, it does not include loss or damage arising from the following events:
○ spontaneous collapse of the buildings as a result of defective material, workmanship, design or construction
○ any work done on the buildings, or normal maintenance
○ flaws or defects (whether latent or visible) in any aspect of the design, construction, workmanship or maintenance of the buildings
○ subsidence, landslip or heave
○ chemicals, oils, corrosive liquids, gases or fumes
○ denting, chipping, scratching or cracking, unless the functionality of the item has been affected and it can no longer be used
○ frost, change in temperature, expansion or humidity
○ dampness, dryness, wet- or dry-rot
○ contamination or pollution
○ gradual change in colour, texture or finish
○ corrosion, rust, oxidation or any other chemical action or reaction
○ any loss resulting from an excluded event under any other section
○ depreciation
○ any loss claimable under another clause or section of the policy.
This is additional cover, and applies if the limited cover is not enough to pay for loss or damage to your buildings.
Accidental damage to fixed machinery – increased cover
We will pay for sudden and unexpected damage to fixed machinery installed at your premises which are used for domestic purposes only, up to the limit stated in the Schedule.
We will not pay for loss or damage caused:
○ by gradual deterioration such as wear and tear, rust, mildew, corrosion, decay
○ by cleaning, repairing or restoring by any manner or method
○ to any data or telecommunication equipment or apparatus
○ any loss claimable under another clause or section of the policy.
Hollard Private Portfolio – Version 3.0.0 – 20 April 2020 41