Page 58 - Hollard Private Portfolio

How much we pay for theft claims
From your home; elsewhere on the premises; away from the premises
You are covered for loss or damage to the contents of your home that is caused by theft or attempted theft from your home.
In some cases there must be clear signs of forced entry or exit.
Pay-out up to the sum insured
We pay out up to the sum insured for theft that occurs from your home, unless it is limited as per below. It also includes theft by violence or threat of violence in your home or on your premises, subject to the conditions below, for example the condition of minimum security measures for theft from an outbuilding.
This cover also applies:
– to theft when your contents are being moved by professional movers during a permanent change of address
– to theft while your contents are being moved by you during a permanent change of address, provided that it is in your possession at all times and not left unattended
– to theft of your household contents while deposited for safekeeping in a bank safe deposit
– to theft when your contents are in transit to or from a furniture storage outlet or a bank safe deposit.
We pay out up to the sum insured for theft where there are clear signs of forced entry to or exit from:
– your outbuildings when the premises are unoccupied, provided the outbuildings have the minimum security measures, as stated in the Schedule, in place
– your home while alterations, extensions or improvements such as painting or tiling are being carried out
– a furniture storage facility, provided you have advised us in advance, and the address is stated in the Schedule. We may apply new terms, conditions and premiums
– any other occupied private home where the contents are temporarily kept
– your home or outbuildings if lent, let or sub-let, provided the minimum security requirements, as
stated in the Schedule, are in place.
Limited pay-out
We pay out less than the sum insured (i.e. a limited amount) for the following kinds of theft:
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–
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theft from any other home or educational institution where there are no clear signs of forced entry or exit. However, this cover does not apply to boarding houses or communes
theft of outdoor furniture, implements and equipment; laundry; garden tools and implements; and swimming pool equipment, such as safety nets and covers.
Household contents
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Hollard Private Portfolio – Version 3.0.0 – 20 April 2020