Page 37 - Hollard - Private Portfolio Policy Wording

Buildings
We will not pay for loss or damage while the machinery is covered by a manufacturer’s guarantee, purchase agreement or service contract.
Check your Schedule now to see if this limited cover is likely to be su cient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for addi onal cover so that we can increase the limit.
Damage to the garden
We will pay for any damaged trees, shrubs or plants that need to be replaced a er a valid claim, so long as the claim wasn’t caused by the or a empted the .
Demoli on and professional fees
If the buildings have to be demolished as a result of a claim se lement, we will pay the following addi onal costs that you may have to incur, provided you get our wri en consent:
○ demolishing the buildings, removing debris and erec ng hoardings required for building opera ons
○ fees for the services of architects, quan ty surveyors, consul ng engineers and local authori es
○ any ac ons required by a public authority.
Emergency-services expenses
We will pay for the costs charged by any emergency-services provider – such as the re brigade – that has to be called in to respond to an insured event.
Glass and sanitary-ware
We will pay for the repair of any accidental breakage to xed glass (for example, mirrors) and sanitary-ware (for example, washbasins, toilet bowls), except when this is the result of chipping, scratching or dis gura on.
This cover does not apply when:
○ the buildings are unfurnished or unoccupied
○ the buildings are being structurally altered.
Keys, locks and remote controls
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, including call-out costs of a technician and the reprogramming of any coded alarm system. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
Check your Schedule now to see if this limited cover is likely to be su cient to cover the full replacement cost in the event of loss or damage. If you feel that it is not enough, you may ask us for addi onal cover so that we can increase the limit.
Hollard Private Por olio 35