Page 58 - Hollard - Private Portfolio Policy Wording

Household contents
Liability to third par es
You are covered as a tenant for liability to third par es, such as members of the public and the property owner. The details are described under the Personal Liability sec on.
Money
We will pay for loss of money or nego able instruments, provided there are visible signs of violent and forced entry to or exit from your home.
O ce contents
We will pay for loss or damage to any goods or equipment in your home or outbuildings that are solely used for administra ve or clerical work in your home o ce – for example, in your home profession or any one-person business that you run on the premises. If, for example, you are a plumber we will cover your o ce desks, cabinets and computers but not any of your tools, equipment or material you use to install or repair any plumbing.
Personal documents
Following an insured event, we will pay for the cost of any materials and labour necessary to reinstate or obtain duplicates of your personal documents.
Professional cleaning services
We will pay for a professional organisa on to clean your household contents, if it has been soiled or stained during an assault on you by a party other than your family.
Power surge
We will pay for damage to your household contents that is caused by an electricity power surge on the distribu on line of any public authority.
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.
Refrigerator contents
We will pay for food that has gone o in your refrigerator or freezer as a result of mechanical or electrical breakdown, or a prolonged loss of electrical power.
This cover does not apply if your electricity has been cut o because you haven’t paid your bill, or there is load-shedding by any public authority for less than 24 hours.
Damage to your fridge or freezer as a result of the power loss is not covered unless you have asked us for accidental damage cover. Check your Schedule now to see if you have chosen accidental damage – extended cover.
56 Hollard Private Por olio