Page 40 - Hollard Private Portfolio - Version 3.3

– to theft while your contents are being moved by you during a permanent change of address, provided that it is in your possession at all times and not left unattended
– to theft when your contents are in transit to or from a furniture storage outlet.
We pay out up to the sum insured for theft where there are clear signs of forced entry to or exit from:
– your outbuildings, whether the premises are occupied or not, and whether the minimum security measures are in place or not
– your home while alterations, extensions or improvements such as painting or tiling are being carried out
– a furniture storage facility, provided you have advised us in advance, and the address is stated in the Schedule. We may apply new terms, conditions and premiums
– any other occupied private residential building where the contents are temporarily kept
– your home or outbuildings if lent, let or sub-let, provided the minimum security requirements, as
stated in the Schedule, are in place.
Limited pay-out
We pay out less than the sum insured (i.e. a limited amount) for the following kinds of theft:
– theft from your outbuildings where the minimum security requirements are not in place and there are no clear signs of forced entry or exit. The limit depends on whether the premises are occupied or not at the time of theft.
– theft from any other home or educational institution where there are no clear signs of forced entry or exit.
– theft of outdoor furniture, implements and equipment; laundry; garden tools and implements; swimming pool equipment, such as safety nets and covers; and unattended sports equipment.
Limited pay-out following forced entry or exit
We pay out less than the sum insured for theft where there are clear signs of forced entry to or exit from:
– your place of employment
– any place used for furniture storage, other than a storage facility stated in the Schedule
– any other home or educational institution
– an unattended vehicle
– the vehicle you are driving to or from a place of purchase, repair or renovation. This excludes items insured under the All Risks section.
We also cover you for
In addition to the insured events outlined in the preceding pages, you are also covered for the following, subject to the relevant conditions, and up to the limits stated in the Schedule:
Accidental damage
Your contents are covered for accidental loss or damage inside your home or outbuildings or at your premises.
Accidental damage does not include any of the following:
○ depreciation, or gradual causes such as wear and tear, deterioration, rust, rising damp and mildew, corrosion or decay
○ mechanical, electronic or electrical breakdown
○ a cleaning, repairing or restoration process
○ while alterations, extensions or improvements such as painting or tiling are being done at your home
○ cracking or scratching (unless caused by theft, attempted theft, fire or explosion) of glassware, glass or other brittle articles other than jewellery, watches, cameras, fixed glass or TV sets
○ the cost of reproduction or repair of data or software
○ any loss claimable under another clause or section of the policy.
Household contents
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Hollard Private Portfolio – Version 3.3 – 9 Feb 2023