Page 74 - Hollard Private Portfolio

Household contents
Do not leave the property unoccupied
You will not be able to claim for theft from your premises if they are left unoccupied for more than 60 consecutive days during any 12-month calendar period, unless we have agreed to it or you told us it is a holiday home. We may charge an additional premium to extend the cover.
Monitor the risk profile of your tenants
You must advise us as soon as possible of any change to the risk profile of any tenant residing on your premises. An example is if your tenant changes the security arrangements. In such cases, we may impose additional terms and conditions.
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 requirement is 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 premises are left unoccupied.
OR
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.
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Hollard Private Portfolio – Version 3.0.0 – 20 April 2020