Page 73 - Hollard Private Portfolio

Household contents
Structural alterations or additions
When you do structural building alterations or additions, and there is loss or damage caused by the structural building alterations or additions, we will not cover you for loss or damage to your contents as a result of:
○ the cracking, collapse or subsiding of the building
○ accidental damage caused by the contractor
○ theft unless there is evidence of violent and forced entry or exit from the building
○ water, storm or flood damage where structural alterations and additions have not been fully completed
○ malicious damage or vandalism caused by the contractor to contents in unfinished parts of the building.
Theft from an unattended vehicle
There is no cover for theft from an unattended vehicle, except in the following instances:
○ The vehicle itself is securely parked (for instance inside a locked building or behind locked gates), and there are clear signs of forcible and violent entry into the building or the premises.
○ The vehicle is locked, there are clear signs of forced entry and the item is out of view, for instance inside a locked boot, inside the glove compartment or under a seat.
○ In the case of remote jamming, there is no cover unless there is CCTV footage or other indisputable proof available.
Your specific responsibilities
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.
Tell us if you change your address
You must tell us immediately if you permanently move to a new address or even if you are just storing some of your contents elsewhere. We may impose new terms, premiums and conditions.
Tell us if you run a business from your premises
You must tell us immediately if you run a business from your premises. Your premises must at all times be predominantly used for residential purposes, and your business may not increase the risk of loss of or damage to your home or contents.
We may impose new terms, premiums and conditions.
Keep jewellery and watches in a safe
You must keep all jewellery and watches valued at more than the amount stated in the Schedule in a securely locked wall- or floor-mounted safe when not in use.
Provide us with valuation certificates
You must provide us with a valuation certificate from a registered jeweller or valuator for all items of jewellery, watches and collectables when we ask for it. If you do not, we will not pay more than the limit stated in the Schedule for jewellery, gold, silver, platinum, watches, and precious or semi-precious stones.
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