Page 62 - Policy Wording - Hollard Prestige Portfolio

60 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 2 – Contents
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housed in a securely locked building and entry to the vehicle or building is accompanied by
evidence of violent and forced entry and exit.
We do not cover:
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loss or damage resulting from or caused by any contents not being adequately packed and
secured, having regard to the nature of the item
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loss or damage arising while in transit by sea or air.
Additional cover
When we accept a claim under your policy for an insured cause that happens in the period of insurance, you may
also be entitled to the additional cover. Additional cover is limited to the amount stated in your schedule under your
Fixed and/or Flexi limits. The excess stated in your schedule does not apply to additional cover and Fixed limits, unless
specifically stated below. Excesses apply to Flexi limits. Any voluntary excesses will also be applicable.
○ Accidental damage means unforeseen accidental damage to the contents up to the sum insured.
We do not cover loss or damage:
– caused by cleaning, repairing or restoring by any manner or method
– of or to any tools, gardening implements, garden furniture
– of or to automatic swimming pool cleaning equipment
– cracking or scratching of glass, glassware or any similar breakable article – this does not apply to jewellery,
cameras, mobile devices and tablets, televisions, computer screens or fish tanks
– mechanical, electrical or electronic breakdown.
The excess stated in the schedule applies to this cover.
○ Alternative accommodation/rent
If you are not insured for this elsewhere in this policy or another policy, we will pay you for the rental amount due
to you in respect of an insured property that you lease out, or the reasonable rent you incur. We will pay up to the
limit stated in the schedule for similar alternative accommodation and storage. We cover you if your home cannot
be lived in due to an insured cause under this section subject to the following terms:
– The maximum period for this cover to be in force is the period stated in the schedule.
– We will decide on the alternative accommodation by considering the rental amount that would be
reasonable to charge for a home of the same or similar value and location as the insured address stated in
your schedule.
– You will be paid the reasonable costs for temporary accommodation in a guesthouse or hotel for not more
than 14 days while you arrange your alternative accommodation.