Page 65 - Hollard - Private Portfolio Policy Wording

Household contents
Tell us if you run a business from your premises
You must tell us immediately if you run a business from your premises. Your premises must at all mes be predominantly used for residen al purposes, and your business may not increase the risk of loss of or damage to your home or contents.
We may impose new terms, premiums and condi ons.
Keep jewellery in a safe
You must keep all jewellery and watches valued at more than the amount stated in the Schedule in a securely locked wall- or oor-mounted safe when not in use.
Provide us with jewellery cer cates
Before your cover starts, you must provide us with a valua on cer cate from a registered jeweller or valuator. If you do not, we will not pay you more than the limit stated in the Schedule for jewellery, gold, silver, pla num, watches, and precious or semi-precious stones.
Do not leave the property unoccupied
Unless we have agreed to it, you will not be able to claim for the from your premises if they are le unoccupied for more than 60 consecu ve days during any 12-month calendar period. We may charge an addi onal premium to extend the cover.
Monitor the risk pro le of your tenants
You must advise us as soon as possible of any change to the risk pro le of any tenant residing on your premises. An example is if your tenant changes the security arrangements. In such cases, we may impose addi onal terms and condi ons.
Have these minimum security measures
We do not cover you for the unless you comply with the minimum security measures set out below.
You must have the minimum security measures in place in your home and outbuildings at all mes, if stated in the Schedule, fully maintained and in working order at all mes:
t burglar bars and security gates to your home and outbuildings
○ all opening windows, louvres and skylights must be protected by burglar bars
○ security gates must be ed to all exi ng doors, and must be locked when your premises are le unoccupied.
OR
t an alarm system to your home and outbuildings
○ the alarm must be linked to a 24-hour armed-response service
○ the alarm must be working properly
○ it must be ac vated when your premises are le unoccupied
○ you must change the generic code to your own unique code.
Note that your alarm system may be required to include an electric fence or outside alarm beams. If you are unsure of which security requirement applies, please check your Schedule.
Hollard Private Por olio 63