Page 69 - Hollard Private Portfolio

Household contents
Pay-out is limited
We will not pay more than the amount in the Schedule.
Accidental damage – extended cover
○ Accidental damage: You are covered for accidental loss or damage to your contents:
– inside your building, outbuildings or at your premises
– kept temporarily inside any other home up to the limit stated in the Schedule
– when your contents are being moved by professional movers during a permanent change of address.
○ Mechanical, electronic or electrical breakdown: You are covered for mechanical, electronic and electrical breakdown of all domestic appliances including "white goods" such as fridges, freezers, dishwashers and washing machines as well as small appliances. Small appliances include: "brown goods" such as television sets, sound systems, CD players and DVD players, but not aerial systems.
If a domestic appliance suddenly and unexpectedly stops functioning correctly because of an internal mechanical, electronic or electrical failure, we will pay for the cost of repairing it. We will also pay for any parts that need to be modified or replaced. However, we will not pay for the replacement of the appliance, except for a fridge or freezer as explained under the Damage to fridge or freezer benefit above.
There is no cover if the mechanical, electronic or electrical breakdown is caused by any of the following:
– removal of any parts or tampering with the appliance
– tools used in the wrong way or an unqualified person attempting to repair the appliance
– negligence, misuse or use other than normal use for which the appliance has been designed
– operation of the appliance other than according to the manufacturer’s instructions
– no maintaining the appliance as per the manufacturer’s recommendations
– reception difficulties, unless these are a result of the breakdown
– incorrect installation of the appliance by any person.
There is also no cover in any of the following instances:
– the reason for the mechanical, electronic or electrical breakdown existed before the cover started
– the claim is made within the first 60 days of the start of the policy
– there are no spares available
– parts of the appliance that have a short lifespan, such as batteries, bulbs, globes, fuse and knobs
– the appliance is still covered under the manufacturer’s guarantee or warranty, or any other extended
warranty policy.
○ What is not covered
Accidental damage and mechanical, electronic and electrical breakdown cover does not include any of the following:
– depreciation, or gradual causes such as wear and tear, deterioration, rust, rising damp and mildew, corrosion or decay
Hollard Private Portfolio – Version 3.0.0 – 20 April 2020 67