Page 79 - Hollard - Private Portfolio Policy Wording

Personal computers
ADDITIONAL COVER YOU CAN CHOOSE
Applies only if speci ed
In addi on to the standard cover outlined above, you can also choose to be covered for loss or damage in the cases listed below. Check your Schedule now to see if you have chosen this addi onal cover:
Electronic breakdown
We cover you for accidental electronic breakdown, such as a hard-disk crash.
Ensuring compa bility between your old and new computer
As part of ge ng your new computer opera onal, we can also cover you for any reasonable costs incurred to ensure that it is fully compa ble with your old one.
Reinstatement of data
These are necessary costs and expenses incurred by you to reinstate data or programs lost as a result of accidental erasure. This is on condi on that the lost data or programs were not caused by:
○ program errors
○ a virus or malware (harmful so ware such as viruses or Trojans)
○ inten onal cancella on, corrup on of data or incorrect entry.
What is not covered
You are not covered for any of the following scenarios:
○ if you use the computer for any purpose other than personal use, or for your home industry or professional home use
○ loss or damage that is already provided for under a maintenance or lease agreement
○ the from your place of employment, unless there are clear signs of forced entry into or exit from the building
○ any loss from an una ended vehicle, unless there are clear signs of forced entry to a locked boot or compartment
where the item was concealed
○ loss or damage from:
– the development of poor contacts, or the scratching of paint or polished surfaces
– any process of cleaning, maintenance or upgrading
– any type of virus or malware (harmful so ware such as viruses or Trojans)
○ parts that have a short life, unless this is a result of other insured damage to the computer that happened at the same me
○ any loss incurred as a result of your not being able to use your damaged computer
○ damage or liability of any kind not speci cally provided for here.
For example, you may need to change elements of your new computer, replace licensed programs or restore data that has become inaccessible on your old computer.
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