Page 49 - Hollard Private Portfolio - Version 3.3

Household contents
Your specific responsibilities
The specific responsibilities below are so strict that they are actually guarantees on your part and you must ensure that you comply with the requirements at all times, during the currency of your policy. If you do not comply with a specific responsibility we may reject your claim.
Tell us if you change your address
You must tell us immediately if you permanently move to a new address or even if you are just storing some of your contents elsewhere. We may impose new terms, premiums and conditions.
Tell us if you run a business from your premises
You must tell us immediately if you run a business from your premises. Your premises must at all times be predominantly used for residential purposes, and your business may not increase the risk of loss of or damage to your home or contents.
We may impose new terms, premiums and conditions.
Keep jewellery and watches in a safe
You must keep all jewellery and watches valued at more than the amount stated in the Schedule in a securely locked wall- or floor-mounted safe when not in use.
Provide us with valuation certificates
You must provide us with a valuation certificate from a registered jeweller or valuator for all items of jewellery, watches and collectables when we ask for it. If you do not, we will not pay more than the limit stated in the Schedule for jewellery, gold, silver, platinum, watches, and precious or semi-precious stones.
Do not leave the property unoccupied
You will not be able to claim for theft from your premises if they are left unoccupied for more than 60 consecutive days during any 12-month calendar period, unless we have agreed to it or you told us it is a holiday home. We may charge an additional premium to extend the cover.
You must tell us of the actions of your tenants
You must tell us as soon as possible if your insurance risk might be affected by the actions or neglect of your tenant living on the property. An example is if your tenant changes the security measures. In such cases, we may impose additional terms, conditions and exclusions.
Have these minimum security measures
Cover for theft or malicious damage is subject to you meeting the minimum security requirements which we have agreed with you. The required security requirement for your home is stated in the Schedule and will be one of the following:
Burglar bars and security gates
If it was agreed that the minimum security requirement is burglar bars and security gates, then the following conditions apply:
○ all opening windows must be protected by burglar bars
○ security gates must be fitted to all exit doors, and must be locked when your premises are left unoccupied
○ burglar bars and security gates must be maintained and in working condition at all times.
Alarm system
If it was agreed that the minimum security requirement is an alarm system, then the following conditions apply:
○ the alarm must be linked to a 24-hour armed-response service
○ the alarm must be working properly and the contract with the armed response company must be active
○ you must change the generic code to your own unique code
○ if we asked you to, the alarm must be linked to an electric fence, or, must include outside alarm beams
○ the alarm must be activated when your premises are left unoccupied.
Hollard Private Portfolio – Version 3.3 – 9 Feb 2023 47