Page 72 - Hollard Private Portfolio - Version 3.5

70 Hollard Private Portfolio – Version 3.5 – 7 May 2024
All Risks
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 or computer screens.
Theft from an unattended vehicle
There is no cover for theft from an unattended vehicle (car, caravan or trailer), except in the following instances:
○ 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.
○ If an item is carried on a rack attached to a vehicle such as a roof rack, then the item is secured by a lock and
chain, such as a surfboard.
○ In the case of remote blocking, you will be covered up to the limit stated in your policy Schedule.
This exclusion does not apply to theft of unattended pedal cycles. Please refer to the Comply with our conditions for
pedal cycles (including e-bicycles) conditions as explained under the heading Your specific responsibilities to understand
your theft cover for these items.
The following specific items
Under no circumstances do we cover the following items under All Risks:
○ vehicles, motorcycles, scooters (other than mobility scooters and children’s motorised scooters/motorbikes/
ride-ons), three-wheeled vehicles, quad-bikes, motorised lawnmowers, golf carts, trailers, caravans, hang-
gliders, aircraft (other than remote-controlled aeroplanes/drones if specified) or pleasure-craft – or any of their
fitted equipment and accessories
○ cameras and photographic equipment used for business purposes or financial gain.
Your specific responsibilities
Be aware of your responsibilities
Some of the terms below require specific action on your part. In such cases, you must do what is asked of you, or we
may reject your claim.
Jewellery and watches safe requirement
○ When your property is unoccupied or when the item is away from the risk address, we will only cover an
item in full if you keep it in a locked safe while 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 risk address or at another building).
– 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 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.
For example:
○ Jewellery that you temporarily removed for an activity such as exercising at a gymnasium, and locking it away
in one of the facility’s secure lockers.