Page 62 - Hollard Private Portfolio - Version 3.5

60 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Household contents
Superficial damage
We do not cover loss or damage due to chewing, chipping, cracking, denting, discolouration, scratching or tearing of an
item unless the functionality has been affected and it can no longer be used. This exclusion does not apply to jewellery,
cameras, mobile devices, tablets, televisions, computer screens or fish tanks.
Vermin and domestic animals
We do not cover loss or damage caused by domestic animals that belong to you or anyone living at the risk address or 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 and include moths, rodents, termites or any other animal or insect classified as an
invasive species.
When the home is lent, let or sublet
We do not cover theft and malicious damage if you lend, let or sub-let the home, unless there are visible signs of forcible
or violent entry to or exit from the home.
Your tenant’s fitted furniture, appliances, fixtures and fittings
We do not cover any improvements, fitted furniture, appliances, fixtures and fittings installed by your tenant.
Your specific responsibilities
The specific responsibilities below are so strict that they are actually guarantees on your part and you must ensure that
you comply with the requirements at all times, during the currency of your policy. If you do not comply with a specific
responsibility we may reject your claim.
Tell us if you change your address
You must tell us immediately if you permanently move to a new address or even if you are just storing some of your
contents elsewhere. We may impose new terms, premiums and conditions.
Tell us if you run a business from your premises
You must tell us immediately if you run a business from your premises. Your premises must at all times be predominantly
used for residential purposes, and your business may not increase the risk of loss of or damage to your home or contents.
We may impose new terms, premiums and conditions.
Jewellery and watches safe requirement
You must keep jewellery and watches that are worth more than the amount per item as shown in your policy schedule,
in a locked safe while not in use.
Your cover depends on whether an item is kept at a temporary location, or whether your property is occupied or not as
explained below:
○ When your property is unoccupied or when an item is at a temporary location: We will only cover an item in
full if you keep it in a locked safe whilst not in use. If not kept in a safe, then your cover is limited to the amount
per item as shown in your policy schedule. The following requirements apply to the safe:
– The safe must be permanently fitted to the floor or a structural wall of the building where it is kept (at
your home or a temporary location).
– You must keep the keys or access codes to the safe in a secure place to prevent unauthorised access.
○ When your property is occupied: We will only cover an item that was not kept in a locked safe whilst not in
use if there was a threat of force to your person or if there are visible signs of forcible or violent entry to or exit
from your home or your property.
Meaning of while in use: This means you are either wearing the item or you have temporarily taken it off for activities
with the intention of putting it back on again thereafter. An item if only worn, every second or third day will not be
considered to be in use.