Page 61 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
Contents mailed, couriered or delivered
We do not cover loss or damage to your contents whilst being mailed, couriered or delivered other than where the policy
specifically provides cover for contents being delivered or we have agreed to it in writing.
Damage as a result of changes in the water table
We do not cover loss or damage caused by changes in the water table, except as a result of a storm.
Drones and remote–control aeroplanes
There is no cover for drones or remote–controlled aeroplanes while in use.
Firearms
We do not cover loss or damage to firearms if you do not comply with the following conditions:
○ You must keep your firearm in a locked gun safe when you are not carrying it.
○ The gun safe in your home must meet legislative requirements.
○ You must keep the keys or access codes to the safe in a secure place to prevent unauthorised access.
Items kept in a vault or safety deposit box
We do not cover loss or damage to contents or personal belongings that are kept in a vault or safety deposit box.
These items must be specified, under the All Risks section of the policy.
Jewellery, watches, rugs, art, etc. covered up to 33.33%
We will not pay for more than 33.33% of the sum insured for loss or damage to precious metals and stones, jewellery,
watches, furs, rugs, art and carpets.
Manuscripts
We do not cover loss or damage to manuscripts.
Matching materials
We do not cover any additional costs resulting from the unavailability of matching materials.
Musical instruments
We do not cover the breaking of strings or reeds of musical instruments or the splitting of drumhead skins.
Occupancy
There is no cover for your household contents in the following instances:
○ There is no cover for theft if you leave the property unoccupied for more than 60 consecutive days, unless the
building is listed as a holiday home in your policy schedule. We may apply new conditions if you ask us to extend
cover for longer than 60 consecutive days and we agree.
○ If the property is vacant, abandoned or illegally occupied.
Overwinding of clocks or watches
There is no cover for loss or damage caused by the overwinding of clocks or watches.
Specified items on another cover section or policy
We do not cover loss or damage to household contents that are specified under another cover section in this policy or
under another insurance policy and for which you pay a specific premium.
For example: Your watch is covered under another insurance policy for a specific premium. This means that you pay a
premium that is based on the type of item (a watch in this instance) and the actual value of the item, amongst other
rating factors. If your watch is stolen from your home, we will not pay for the watch under this policy. You must claim
for the watch from the other insurance policy.