Page 86 - Policy Wording - Hollard Prestige Portfolio

84 Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 5 – Personal liability
What is not covered
The following situations are not covered, unless specifically stated otherwise:
○ Liability due to accidental death of bodily injury to or illness of you or any person in your service, if the liability
arises from their service.
○ Liability due to accidental loss of or damage to property you or any person in your service owns, rents, borrows,
keeps in trust or has custody or control of.
○ Liability arising from any business, trade or occupation. This exclusion will not apply to the optional 'Bed-and-
breakfast extension' and 'Business Contents, Additional cover of the Contents' Section 2 or Liability as a result
of employing a domestic employee of this section of the policy.
○ Liability for loss or damage to property that is in the custody or control of your directors, members, trustees or
beneficiaries, or members of their families who usually reside with them, if you are a company, close corporation
or trust.
○ Liability relating to the possession, ownership, occupation or use of land, homes or structures, not covered under
this policy.
○ Liability relating to home activities such as alterations, additions or renovations.
○ Liability relating to vibration or the removal or weakening of or interference with support to land, homes or other
property.
○ Liability relating to the ownership, possession, use or handling of vehicles (including trailers and caravans, but not
bicycles which are not assisted mechanically or electrically), watercraft, aircraft or other aerial devices, firearms,
air guns or any animals.
○ Liability for fines, penalties or punitive damages.
○ Non-compliance by you or your legal representative with the terms of this policy.
○ Liability in connection with the loss of or damage to any self-propelled motor vehicle, trailer, caravan, watercraft
or aircraft under your care, custody or control.
○ Liability arising from a dishonest, fraudulent or malicious act, or acts of physical assault or other reckless disregard
by you of the possible consequences of your actions or omissions committed by you.
○ Liability arising from the payment of any fine, penalty or multiple, punitive/exemplary damages.
○ Liability arising from any debt.
○ Liability arising from the spread of fire to adjacent properties, homes or land situated on a smallholding, farm or
plot unless stated in the schedule as covered.
○ Liability arising from the failures to pay maintenance or alimony or any amounts following a breach of promise.
○ Liability arising from the purchase, sale, barter or exchange of property, or your failure to comply with your
obligations relating to these.
○ Liability arising from any judgement, award, payment or settlement made in a country that operates under the
laws of the United States of America or Canada.