Page 67 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 2 – Contents
– Personal effects of paying guests means we will pay you for loss or damage for the personal effects,
excluding jewellery and watches and money that belong to paying guests while the personal effects
are inside your insured address. The cover excludes household goods and personal belongings insured
elsewhere. Cover is limited to the amount stated in the schedule.
– Trauma payment for paying guests means we will pay you the benefit for a registered professional
counsellor for the treatment of trauma suffered by a paying guest if the paying guest needs treatment
due to theft, burglary, hijacking or fire that occurred on your premises. We will not pay you for expenses
recoverable from any other insurance. Cover is limited to the limit stated in the schedule.
– External signs, blinds and canopies means we will compensate you for damage caused by an insured event
to:
•
external signs at the premises or elsewhere
•
blinds and canopies at your premises.
– Cleaning and dry-cleaning of guests' property means we will pay you up to the limit in the schedule for
your liability arising from accidental loss or damage to guests' laundry while it is being cleaned or dry-
cleaned by you or upon your instruction.
What is not covered
○ We will not cover any loss or damage – unless specifically stated as covered below – caused by, or consisting of:
– dryness or moisture, exposure to light or extreme temperatures, unless the loss is caused by storm or fire
damage
– anything that happens gradually, including smoke and dust damage, rising damp, fungus or mildew, mould,
action of light, atmospheric or climatic conditions, corrosion, rot, rust, decay or a rise in the water table
– scratching, chipping, chewing, tearing, disfiguration or discolouration and cracking or denting
– coastal or river erosion, rust or corrosion
– gradual deterioration, lack of maintenance, depreciation or wear and tear
– defective workmanship or design or the use of faulty materials or misuse
– infestation, vermin, rats, mice, insects, pests or domestic pets
– loss, damage or deterioration of an item caused by any process of cleaning (except as covered under the
Bed-and-Breakfast optional extension to cover), repairing, restoring, dyeing, bleaching or alteration
– chemicals, fertilisers and pesticides that have been used or applied
– breakage of mirrors, glassware, crystal, crockery or china while they are being used, cleaned or carried by
hand
– damage to glass, glassware, jewellery or other brittle articles due to cracking, denting, chipping or scratching
– any additional costs resulting from the unavailability of matching materials
– over-winding of clocks.