Page 43 - Hollard - Private Portfolio Policy Wording

Buildings
Keys, locks and remote controls – increased cover
Pay-out is limited to the amount stated in the Schedule.
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, including the 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.
This is addi onal cover, and applies if the limited cover is not enough to replace your keys, locks or remote controls.
Power surge – increased cover
Pay-out is limited to the amount stated in the Schedule.
We will pay for damage to your buildings that is caused by an electricity power surge on the distribu on line of any public authority.
This addi onal cover applies only if you have installed surge-protec on devices, and if the limited cover is not enough to replace or repair the damage.
What is not covered
Loss or damage caused by
Lack of maintenance, non-standard construc on, nobody at home, etc.
You are not covered for loss or damage that is due to:
○ the buildings not being maintained properly
○ vermin, insects, domes c pets, termites, mildew, damp, wet- or dry-rot, or any other gradually opera ng cause
○ the buildings being unoccupied for more than 60 consecu ve days during any 12-month period, unless we have agreed to it
○ defec ve design, speci ca on, construc on or material
○ structural changes to your home such as knocking out a wall or building an extra room.
Thatched roof and non-standard construc on
You cannot claim for loss or damage:
○ if your buildings have a thatched roof, unless this is speci cally men oned in the Schedule
○ if your buildings are of non-standard construc on, unless this is speci cally men oned in the Schedule.
Hollard Private Por olio 41