Page 43 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Buildings
Vermin and domestic animals
We do not cover loss or damage caused by domestic animals that belong to you or anyone living at your risk address. We
also do not cover loss or damage caused by vermin, except for monkeys and baboons. Vermin are animals and insects
that can be harmful and are difficult to control when they appear in large numbers. Vermin include moths, rodents,
termites or any other animal or insect classified as an invasive species.
Weeds and roots
We will not cover loss or damage caused by weeds and roots.
Your specific responsibilities
The specific responsibilities below are strict and require that you play your part in ensuring that you comply with the
requirements at all times over the duration of your policy. If you do not comply with a specific responsibility we may
reject your claim.
You must comply with conditions of cover
Before we agree to insure certain items, or to provide full or partial cover in certain instances, you may be requested to
comply with measures to reduce the risk and severity of loss or damage. For example, we may ask you to have a linked
alarm installed at your home. We will give you 14 days from the date we told you about these requirements for you to
comply, unless we agree otherwise in writing.
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 your policy schedule and will be one of
the following:
Burglar bars and security gates
If it was agreed that the minimum security requirements are 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 buildings are left unoccupied
○ burglar bars and security gates must be maintained and in working condition at all times.
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.
IMPORTANT: If you are unsure of which security requirement applies, please check your policy schedule.