Page 56 - Hollard - Private Portfolio Policy Wording

Household contents
All pay-outs limited
The pay-outs for the insured events described below are limited to the amounts speci ed in the Schedule.
Accidental damage inside your premises
Your contents are covered for accidental loss or damage, whether inside your home or outbuildings or at your premises.
Accidental damage does not include any of the following:
○ deprecia on, or gradual causes such as wear and tear, deteriora on, rust, rising damp and mildew, corrosion or decay
○ damage caused by moths, vermin or insects
○ a cleaning, repairing or restora on process
○ cracking or scratching (unless caused by the , a empted the , re or explosion) of glassware, glass or other bri le ar cles other than jewellery, cameras, xed glass or TV sets
○ the cost of reproduc on or repair of data or so ware
○ loss of, or damage to mobile electronic devices such as mobile phones, portable computers, handheld devices
and global posi oning systems (GPS)
○ loss or damage caused by domes c animals
○ loss or damage caused by wild animals or rep les
○ any loss claimable under another clause or sec on of the policy.
Accidental damage to audio-visual equipment
You are covered for accidental damage that occurs in your home or outbuildings to television sets, video recorders, decoders and sound-reproducing equipment.
However, this excludes damage due to mechanical, electrical or electronic breakdown. Check your Schedule now to see if you have chosen accidental damage – extended cover.
Accidental damage to aerials and satellite dishes
You are covered for accidental loss or damage that occurs on your premises to television aerials or satellite dishes belonging to you.
Accidental damage to glass tops
You are covered for accidental damage that occurs in your home or outbuildings to mirrors or sheet-glass forming part of furniture or an appliance.
Accidental death
If you are under the age of 76, and you die within 12 months of sustaining an injury on your premises, we will pay you according to the limit for your age.
Clearing-up costs
We will pay for the cost of removing any household goods debris from your premises a er a claim.
54 Hollard Private Por olio