Page 68 - Policy Wording - Hollard Prestige Portfolio

66 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 2 – Contents
○ We do not pay for loss or damage caused by animals biting, pecking or clawing the contents or damage caused by
their excrement or urine (for example, birds chewing and biting parts of your home made of wood or cats clawing
furniture). We will, however, pay up to the limit stated in the schedule only for damage to your contents caused by
an animal which does not belong to you or anyone living in your home while it is accidentally trapped inside your
home. The excess stated in the schedule applies to this cover.
○ Alterations and additions to your home:
We will not cover you for loss or damage to your contents as result of:
– damage to your contents is caused by cracking, collapse, subsidence or caused fully or partially by the new
work on the building
– for accidental damage to contents while alterations, renovations or additions are being carried out
– for theft of contents unless there is evidence of violent and forced entry to or exit from the building
– for damage to contents caused by water, storm or flood due to any part of the building not being fully built
– malicious damage or vandalism to unfinished parts of the new work.
○ Bicycles when left unattended should be locked to a fixed structure or in a locked building or inside a motor vehicle
or fixed to a bicycle carrier on a motor vehicle. If not, cover will be limited to the amount stated in the schedule
unless it is specified. The excess stated in the schedule applies to this cover.
○ We will not pay for loss or damage to your jewellery and watches and/or contents when temporarily removed
from the insured address to another building or out of a vehicle for theft or attempted theft unless accompanied
by evidence of violent and forced entry unless otherwise stated in the schedule.
○ Contents in a fish tank will be covered only on a specific peril basis which will be limited to fire, storm, accidental
damage and lightning subject to receiving a list detailing the items to be insured prior to confirmation of cover.
○ Camping equipment does not include fixtures, fittings and contents of caravans and trailers. These have to be
separately insured under Motor vehicle, Section 8.
○ We will not pay for the deterioration of refrigerated or frozen food and drink as a result of a deliberate act by you
or any one in your household.
○ Home unoccupied: We do not cover loss or damage that occurs if your home has been unoccupied for longer than
60 consecutive days unless you have told us about this and we have agreed in writing to provide cover and you
have paid us any additional premium we may require.
○ Loss or damage to property left in the open which is caused by storm, water, wind, hail or snow, unless the
property is designed to exist in the open.
○ We do not pay more than the limit stated in the schedule for any one loss for theft or misappropriation of jewellery
and watches, silverware, linen, stamps and coins, collectable items, furs, paintings and Persian carpets by your
tenants, paying guests, house sit ters, domestic employees, contractors or someone that does not form part of
the household unless violence or force is used. The excess stated in the schedule applies to this cover.
○ We do not pay for loss or damage to a firearm or gun when it is not in a locked gun safe or you are not carrying it
at the time of loss or damage.