Page 52 - Policy Wording - Hollard Prestige Portfolio

50 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 1 – Home
○ Temporary removal of fixtures
When you claim for damage to permanent fixtures that are temporarily removed from the home to be repaired or
restored, we will pay up to the limit stated in the schedule, provided that the items are not removed for a period
exceeding 60 days.
○ Tenants' behaviour
If a tenant living in your home acts or fails to act in a way that would make this policy invalid, we will still pay you
up to the limit stated in the schedule if:
– you do not know of or agree to the tenant’s act or failure to act
– you tell us about the act or failure to act as soon as you find out about it.
○ Underground services and servitudes
We will pay the fair and reasonable cost on accidental damage to underground service cables, pipes, sewers and
drains for which you are legally responsible located between your home and the public supply up to the limit
stated in the schedule.
○ Unfixed and uninstalled home materials and fittings
We will pay for newly acquired unfixed building materials and supplies owned by you and kept within the grounds
of your home for use in the construction, maintenance or alteration of your home for the loss or damage due to
theft of these items when not fitted provided there is evidence of violent and forced entry, up to the limit stated
in the schedule.
Optional cover
The following cover needs to be specifically requested by you and requires the completion of an additional
questionnaire. If we agree to give the cover it will be stated in the schedule and an additional premium will be payable.
○ Subsidence, landslip or ground heave extended cover
(if stated as included in your schedule)
We will cover any damage or destruction caused by subsidence, landslip or ground heave of the land supporting the
buildings, outbuildings and garages including driveways, paving, swimming pools and tennis courts but excluding:
– loss or damage to boundary, retaining and garden walls, gate posts, fences, septic or conservancy tanks,
drains, paths and terraces, paving and swimming pool surroundings unless the buildings are damaged at
the same time
– damage caused as a result of the contraction and/or expansion of active soils due to the moisture or
water content of such active soils as is experienced in clay and other similar types of ground except where
Geotechnical Engineering design precautions have been implemented during construction
– loss of or damage to solid floor slabs or any other part of the home resulting from the movement of such
slabs, unless the foundations supporting the external walls of the home are damaged by the same cause
at the same time
– work necessary to prevent further loss or damage due to subsidence or landslip except where appropriate
design precautions were implemented during the original construction of the home and any subsequent
additions thereto.