Page 81 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 4 – Fine arts
○ 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 pay us any
additional premium we may require.
○ We will not be liable for loss or damage covered by any manufacturer’s guarantee, purchase agreement or service
contract.
○ We will not be liable for loss or damage to musical instruments:
– caused by breakage of strings, reeds or drumheads while the instrument is being played
– used for business or professional activity.
○ Property occupied by tenants
We will not be liable for any loss or damage resulting from malicious damage and loss or damage as result of theft
or attempted theft is subject to evidence of violent and forced entry.
○ We do not pay for:
– inherent defect, wear and tear, gradual deterioration, rust or oxidization, insects, vermin or warping
– alteration, misuse, electrical or mechanical breakdown
– any process of heating, drying, cleaning, washing, dyeing, alteration, repair, restoration, maintenance,
dismantling, decoration
– breakage or theft or attempted theft while the premises is lent or rented unless entry to or exit from the
premises is made using violence or force
– your own wilful act or that of any of your employees
– loss or damage resulting directly or indirectly from or in connection with any actual or purported exchange,
cash or credit sale agreement
– the first part of each claim which falls within the Excess as stated in the schedule.