Page 56 - Hollard Private Portfolio - Version 3.5

54 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
Pest contamination
We will pay for professional extermination and control of pests caused by a sudden and unexpected infestation of your
buildings that:
○ Is a risk to your health.
○ Can lead to loss or damage to your household contents.
○ Makes your home uninhabitable.
This cover does not apply to infestations of termites or woodborer, or if your buildings have been unoccupied for more
than 60 days, unless your home is listed as a holiday home in your policy schedule.
Professional cleaning services
We will pay for a professional organisation to clean your household contents, if the contents have been soiled or stained
during an assault on you by a party other than your family.
Property of parents and grandparents
We cover loss of or damage to the property of your parents and grandparents if they do not have their own contents
insurance. The following conditions apply:
○ Your parents must be financially dependent on you, and reside in a nursing home or residential care home.
○ This cover does not include loss of or damage to money, jewellery, watches and bank cards.
Removal of contents
Fire, collision or overturning of vehicle
We will cover damage caused by fire, collision or the overturning of the conveying vehicle, when your contents are being
moved by professional removers during a permanent change of address, or while in transit between your risk address
and any of the following places:
○ The place where you bought the contents from.
○ The place where the contents are being repaired or renovated.
○ A holiday destination.
However, this excludes cover for accidental damage unless you have asked us for accidental damage cover. Check your
policy schedule now to see if you have chosen accidental damage – extended cover.
Restoration of data
We will cover the necessary costs to restore lost or damaged data or programmes on your personal or business computer
which is kept at home, provided it is accompanied by physical loss or damage covered under this cover section.
○ This cover includes costs associated with data usage to recover data from the cloud or other internet storage
facility.
○ Please note that the Cyber incidents exclusion under the Understanding your policy section will apply.
Security guards
We will pay the reasonable and necessary costs to hire security after an insured event, provided the loss gives rise to a
claim.
Spoiling of food in fridge and freezer
○ Cost to cover spoilt contents
We will pay for the contents of your fridge or freezer (including medication) that is spoilt because of any of the
following reasons:
– Mechanical, electronic or electrical breakdown of your fridge or freezer.
– Electrical failure inside your home, for instance if your building’s power trips while you are away on
holiday and all the food inside your fridge and freezer is spoilt.
– Accidental damage to the fridge or freezer which causes it to stop working.