Page 48 - Hollard Private Portfolio

Buildings
The specific responsibilities below are so strict that they are actually guarantees on your part and you must ensure that you comply with the requirements at all times during the currency of your policy. If you do not comply with a specific responsibility we may reject your claim.
Have these minimum security measures
Cover for theft or malicious damage is subject to you meeting the minimum security requirements which we have agreed with you. The required security requirement for your home is stated in the Schedule and will be one of the following:
Burglar bars and security gates
If it was agreed that the minimum security requirements are burglar bars and security gates, then the following conditions apply:
○ all opening windows must be protected by burglar bars
○ security gates must be fitted to all exit doors, and must be locked when your buildings are left unoccupied
○ burglar bars and security gates must be maintained and in working condition at all times.
Alarm system
If it was agreed that the minimum security requirement is an alarm system, then the following conditions apply:
○ the alarm must be linked to a 24-hour armed-response service
○ the alarm must be working properly and the contract with the armed response company must be active
○ you must change the generic code to your own unique code
○ if we asked you to, the alarm must be linked to an electric fence, or must include outside alarm beams
○ the alarm must be activated when your premises are left unoccupied.
If the alarm was not activated, we will consider your claim on the following conditions:
○ There must be clear signs of forced entry to or exit from the buildings.
○ The claim is valid in all other respects. For example we didn’t reject it because of your dishonesty or intentional misrepresentation.
○ The service provider can give us an audit log of all alarms received (including activation and deactivation) for the last three months, showing that the alarm is usually activated and in working order while your premises are left unoccupied.
○ You must pay an additional excess on top of your basic excess.
If you are unsure of which security requirement applies, please check your Schedule.
46 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020