Page 58 - Policy Wording - Hollard Prestige Portfolio

56 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 2 – Contents
– Contents in a fish tank means the fish in a fish tank or koi pond which includes fresh water, tropical and
marine fish kept for recreational purposes.
– Deterioration of refrigerated or frozen food and drink means any refrigerated, frozen food or drinks kept
in any deep freeze or refrigerator is covered up to the limit stated in the schedule for loss or damage as a
result:
•
of breakdown, or
•
accidental damage to the unit, or
•
failure of power supplied by public authorities excluding deliberate withholding, i.e. load shedding.
– Jewellery and watches are items worn or used for personal adornment including items made of gold,
silver, platinum and/or other precious metals and/or set with precious or semi-precious stones.
– Garden and outdoor items means garden and patio furniture, flower containers, children’s play equipment,
garden statues and ornaments, domestic garden maintenance equipment, ride-on or motorised
lawnmowers and power equipment and other similar items that are normally left outdoors. Theft of ride-
on or motorised lawnmowers and power equipment will be limited to the amount stated in the schedule if
not kept in a locked building or outbuilding. Theft or attempted theft into the locked building or outbuilding
must be accompanied by evidence of violent and forced entry or exit.
– Money means currency, cash notes, cheques, traveller’s cheques, postal orders, money orders, bank
drafts, travel and other tickets of monetary value, phone cards, current postage stamps, savings stamps,
certificates, premium bonds, gift vouchers, share certificates or other negotiable instruments covered
while at the insured address only. We will cover you up to the limit stated in the schedule.
– Personal baggage means any bag or luggage away from home that are not in your personal possession
excluding cover for jewellery and watches, unless:
•
the jewellery and watch items are specifically insured under Section 3, Assets specified, or
•
the jewellery and watch items are worn or carried by you
•
the jewellery and watch items are kept in a locked safe that is fixed to the building when the
buildings where you keep your jewellery and watches are unoccupied.
We will reimburse you up to the limit stated in the schedule should you need to buy the necessary toiletries
or clothing while you wait for the airline to locate any lost personal baggage.
– Personal belongings include items such as:
•
clothing
•
personal items normally worn or carried by a person
•
personal equipment normally worn or used by the person participating in sport or hobbies
•
mobile communication equipment, cellular phones, laptops, notebooks, palmtops, portable
computers, kindles, iPods, iPads and tablet devices including for business use