Page 83 - Hollard Private Portfolio

All Risks
What is not covered
The following specific items
Under no circumstances do we cover the following items under All Risks:
○ vehicles, motorcycles, scooters, three-wheeled vehicles, quad-bikes, motorised lawnmowers, golf carts, trailers, caravans, hang-gliders, aircraft (other than remote control aeroplanes/drones if specified) or pleasure-craft – or any of their fitted equipment and accessories
○ remote-controlled aeroplanes/drones while in use or in flight
○ money, credit cards, debit cards, phone cards, deeds, bonds, bills of exchange, promissory notes, cheques,
securities for money, manuscripts or documents of any kind
○ cameras and photographic equipment used for business purposes or financial gain.
The following events
We do not cover you for loss or damage that is caused by:
○ flaws or defects, whether present when the item was new or discovered afterwards
○ fluctuations in atmospheric or climatic conditions, or the effects of light
○ any process of cleaning, dyeing or renovating
○ bursting, rusting, corrosion or deterioration
○ defective – design, specification, construction, workmanship or material of the insured property
○ lack of maintenance or upgrading
○ wear and tear or any other gradual deterioration
○ any type of virus or malware (harmful software such as viruses or Trojans)
○ chipping, scratching, denting or breakage of porcelain or similar articles of a fragile nature
○ loss or damage while items are mailed or couriered unless specifically agreed by us in writing
○ 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; or
– 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; or
– In the case of remote jamming, you will be covered up to the limit stated in the Schedule.
○ electrical, electronic or mechanical breakdown, unless accompanied or caused by other insured damage.
Hollard Private Portfolio – Version 3.0.0 – 20 April 2020 81