Page 6 - Policy Wording - Hollard Prestige Portfolio

4 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Introduction to your policy
Introduction
This is a contract of insurance which consists of the policy wording and the accompanying schedule, which should be
read together to ensure they fully reflect your instructions. Please read your schedule carefully to ensure that it has been
prepared in accordance with the cover you have requested. If it is not correct, please return the document immediately
to your broker with your instructions and they can make the necessary changes. Failure by you to advise us of any
material changes to the information may result in us rejecting your claim or your policy may be voided.
Your policy wording details all the covers available when you purchase a personal insurance policy from us. However, not
all the covers may be applicable and your schedule will show which covers are in force and the amounts insured where
appropriate. You may request to increase or add elements of cover under this policy where required.
This policy records the terms and conditions of the contract between us, The Hollard Insurance Company Limited
(Reg. No. 1952/003004/06) and the policyholder whose name appears in the schedule. The policyholder is represented
by the broker whose name appears in the schedule.
If you are unsure what information may be material to your policy or whether you need to advise us of any change,
please contact your broker for advice.
At renewal of your policy, you will be provided with an updated schedule. Any changes to your cover provided under
your policy will be reflected either in an amendment to your cover or a new policy wording.
We will cover you for events that take place during the time that you are insured, subject to any restrictions in the
contract of insurance in accordance with what is stated in your policy wording on condition that you meet all the terms,
conditions and requirements as listed in this policy wording and accompanying schedule.
Your full and correct disclosure of facts
You must make sure that all the information you give us about yourself, your property and your risk profile is accurate.
This will include information about your financial situation, such as insolvency, taking up a dangerous sport like hang-
gliding or a change in the driver of your vehicle. Incomplete or incorrect information could affect the validity of your
policy, and may result in us voiding your policy.
You must tell us immediately of any material changes that may increase the risk of loss or damage to your insured
property. We will then have the right either to cancel the policy, or let it continue with new terms and conditions.
The role players
Broker
This is the brokerage, contact person or agent, acting on your behalf that will maintain your policy, communicate with
you and be the contact point between Hollard and you for submission of your claims, or for any changes to policy details,
confirmation of policy or claim information and in other related mat ters.