Page 69 - Policy Wording - Hollard Prestige Portfolio

67
Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 2 – Contents
○ We do not pay for loss or damage as a result of theft or at tempted theft to ride-on or motorised lawnmowers and
power equipment cover will be limited to the amount stated in the schedule if not kept in a locked structure. The
excess stated in the schedule applies to this cover.
○ We will not be liable for loss or damage covered by any manufacturer’s guarantee, purchase agreement or service
contract.
○ Money cover will be limited to the amount stated in the schedule if it is not kept in a locked safe at the insured
address. The theft must be accompanied by evidence of violent and forced entry.
○ We will not be liable for loss or damage to musical instruments caused by breakage of strings, reeds or drum
heads while the instrument is being played.
○ Possessions of any financially dependent parent or grandparent are covered provided that theft from the
retirement home or residence is accompanied by evidence of violent and forced entry.
○ Property of guests and domestic employees is covered provided that theft from the home must be accompanied
by evidence of violent and forced entry. We do not cover the following items:
– any item insured under another policy
– jewellery and watches
– cash or documents
– mobile phones or devices with mobile phones
– incidents happening away from the insured address.
○ Student and scholar possessions are covered provided that theft from the residence or dorm is accompanied by
evidence of violent and forced entry.
○ Property occupied by tenants: We will not be liable for any loss of damage resulting from malicious damage and
loss or damage as result of theft or at tempted theft is subject to evidence of violent and entry.
○ Contents do not include
We do not pay for:
– water in:
•
tanks
•
swimming pools
•
spas or any other water container.
– animals including fish, reptiles, pets and livestock unless specifically stated in the schedule
– unfixed home materials and uninstalled home fixtures or fit tings
– motor vehicles, motorcycles, golf carts, watercraft, aircraft, caravans and trailers and their contents
– tenants' improvements, fit ted furniture, fit ted appliances, fixtures and fit tings
– fine arts valued more than the limit stated in the schedule or more specifically insured under the fine arts
section. The excess stated in the schedule applies to this cover.