Page 76 - Hollard Private Portfolio - Version 3.5

74 Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal computers
ADDITIONAL COVER YOU CAN CHOOSE
In addition to the standard cover outlined above, you can also choose to be covered for loss or damage in the cases listed
below. Check your policy schedule now to see if you have chosen this additional cover:
Electronic breakdown
We cover you for accidental electronic breakdown, such as a hard-drive crash.
Ensuring compatibility between your old and new computer
As part of getting your new computer operational, we can also cover you for any reasonable costs incurred to ensure that
it is fully compatible with your old one.
For example, you may need to change elements of your new computer, replace licensed programs or restore data that
has become inaccessible on your old computer.
Reinstatement of data
These are necessary costs and expenses incurred by you to reinstate data or programs lost as a result of accidental
erasure. Please note that the Cyber incidents exclusion under the Understanding your policy section will apply.
What is not covered
You must read these exclusions together with the General exclusions in the Understanding your policy section to make
sure you understand exactly what is not covered. We will not pay a claim for any of the benefits shown in the Personal
computers section that was caused by, or related to any of the following exclusions:
Delivery
We do not cover loss of or damage to your computer while being mailed, couriered or delivered, unless we have agreed
to it in writing.
Operating systems and software
There is no cover for accidental loss of or damage to the operating system and software of electronic devices that is not
caused by physical loss or damage to the item.
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 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.
○ In the case of remote blocking, you will be covered up to the limit stated in your policy schedule.