Page 51 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
How much we pay for theft claims
From your main building; outbuilding; away from the premises
You are covered for loss or damage to the contents of your home that is caused by theft or attempted theft
from your home.
In some cases there must be clear signs of forced entry or exit.
Pay-out up to the sum insured
We pay out up to the sum insured for theft that occurs from your home, unless it is limited as per below. It also
includes theft by violence or threat of violence in your home or on your premises, subject to the conditions
below.
This cover also applies:
– to theft when your contents are being moved by professional movers during a permanent change of
address
– to theft while your contents are being moved by you during a permanent change of address, provided
that it is in your possession at all times and not left unattended
– to theft when your contents are in transit to or from a furniture storage outlet.
We pay out up to the sum insured for theft where there are clear signs of forced entry to or exit from:
– your outbuildings, whether the premises are occupied or not, and whether the minimum security
measures are in place or not
– a furniture storage facility, provided you have advised us in advance, and the address is stated in your
policy schedule. We may apply new terms, conditions and premiums
– any other occupied private residential building where the contents are temporarily kept
– your home or outbuildings if lent, let or sub-let, provided the minimum security requirements, as
stated in your policy schedule, are in place.
We pay out up to the sum insured for theft of any items forming part of the installation of renewable energy
equipment that are intended to be kept or used outdoors even if there are no visible signs of forcible or violent
entry to or exit from the premises.
Limited pay-out
We pay out less than the sum insured (i.e. a limited amount) for the following kinds of theft:
– theft from your outbuildings where the minimum security requirements are not in place and there are
no clear signs of forced entry or exit. The limit depends on whether the premises are occupied or not
at the time of theft.
– theft from any other home or educational institution where there are no clear signs of forced entry
or exit.
– theft of outdoor furniture, implements and equipment; laundry; garden tools and implements;
swimming pool equipment, such as safety nets and covers; and unattended sports equipment.
Limited pay-out following forced entry or exit
We pay out less than the sum insured for theft where there are clear signs of forced entry to or exit from:
– your place of employment
– any place used for furniture storage, other than a storage facility stated in your policy schedule
– any other home or educational institution
– theft from an unattended vehicle, on condition that one of the following applies:
▪ The vehicle itself is securely parked (for instance inside a locked building or behind locked
gates), and there are clear signs of forcible or violent entry into the building or the premises.
▪ If an item is carried inside a vehicle, and the vehicle is locked, there are clear signs of forced
entry and the item is out of view. For instance, your laptop must be concealed in a laptop bag
and out of view inside a locked boot or concealed where possible.