Page 62 - Hollard - Private Portfolio Policy Wording

Pay-out is limited
We will not pay more than the amount in the Schedule.
Accidental damage – extended cover
Contents, domes c appliances, sound systems and television sets
○ You are covered for accidental loss or damage to your contents:
– inside your home, outbuildings or at your premises
– inside any other home of which the address is listed in the Schedule
– when your contents are being moved by professional movers during a permanent change of address.
○ You are also covered for accidental damage of all domes c appliances including "white goods" such as fridges, freezers, dishwashers and washing machines as well as small appliances. Small appliances includes; "brown goods" such as television sets, sound systems, CD players and DVD players, but not aerial systems.
If any of the domes c appliances stops func oning properly we will pay for the cost of repairing it. We will also pay for any parts that need to be modi ed or replaced.
This cover does not apply if the malfunc on is caused by any of the following:
– removal of any parts
– your negligence or your tampering with the appliance
– an unquali ed person a emp ng to repair the appliance
– misuse or use other than normal use for which the appliance has been designed
– opera on of the appliance other than according to the manufacturer’s instruc ons
– weather, electrical interference, re, lightning or the
– recep on di cul es, unless these are a result of the malfunc on itself.
This cover also does not apply in any of the following instances:
– the defect, fault or damage existed before the cover started
– there are no spares available
– the claim is made within the rst 60 days of the start of the policy.
○ What is not covered
Accidental damage does not include any of the following:
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– – –
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– – – –
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 of glassware, glass or other bri le ar cles, not packed by professional movers, unless caused by the , a empted the , re or explosion
loss of, or damage to mobile electronic devices such as mobile phones, portable computers, handheld devices and global posi oning systems (GPS)
the cost of reproduc on or repair of data or so ware
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.
Household contents
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Hollard Private Por olio