Page 45 - Policy Wording - Hollard Prestige Portfolio

43
Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 1 – Home
Specific definitions for this section
○ Home: The building at the insured address including the outbuildings such as garages, guest cot tages, domestic
employees’ quarters, studios, stables, change rooms, garden sheds and greenhouses.
○ Home also includes:
– your or your tenant’s permanent fixtures, fit tings and improvements such as:
•
fixed wall coverings such as paint, wallpaper and wall tiles
•
fixed floor coverings including timber floor coverings, carpets and tiles
•
fit ted furniture and fit ted appliances.
– electrical and gas appliances, light fit tings if these appliances are permanently connected or plumbed to
the electricity supply
– domestic fixed fuel tanks, rainwater tanks, solar power and water systems, water recycling systems and
geysers up to the limit stated in the schedule
– fish tanks/aquariums including their stands and cabinets that are fixtures
– keys or locks including the reprogramming of any alarms, electronic locks and/or security devices
– swimming pools including swimming pool pumps, saunas, spa baths, hot tubs, ornamental ponds, fish
ponds and fountains, permanently installed watering or irrigation systems
– garden lights and lighting systems
– underground water, gas and service pipes, cables, sewers and drains, domestic boreholes including pumps
you own or are legally responsible for
– terraces, patios, hard tennis courts, paved driveways, footpaths constructed of brick or concrete
– glass doors, windows and sanitary ware, replacement of let tering or other ornamental work and alarm foil
on glass
– radio and television aerials, satellite dishes, their fit tings and masts
– fixed equipment: fixed filters, pumps, gate and door motors, fire and burglar alarm systems, electric
fencing, generators, climate-control systems and air-conditioning plants
– renewable energy equipment and/or a photo-voltaic system: this also includes cover for inverters, batteries
and fixed generators directly connected to the building’s wiring. The following conditions apply:
•
we do not cover loss or damage to solar installations that are fitted on a thatch roof.
•
we do not cover loss or damage to solar geyers or hybrid solar system installations where the roof
structure was not capable of bearing the additional weight of the installation.
•
the equipment must be installed by a registered electrician who must provide either one of the
following:
▪ a Certificate of Compliance for the installation
▪ proof of installation stating their adherence to the required electrical standards and
regulations at the time that the device was installed.
any items forming part of the installation of renewable energy equipment that are intended to be kept or
used outdoors, are covered for theft even if there are no visible signs of forcible or violent entry to or exit
from the premises.