Page 43 - Hollard Private Portfolio - Version 3.4

Buildings
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.
If the alarm was not activated, we will consider your claim on the following conditions:
○ There must be clear signs of forced entry to or exit from the buildings.
○ The claim is valid in all other respects. For example we didn’t reject it because of your dishonesty or intentional misrepresentation.
○ The service provider can give us an audit log of all alarms received (including activation and deactivation) for the last three months, showing that the alarm is usually activated and in working order while your premises are left unoccupied.
○ You must pay an additional excess on top of your basic excess.
IMPORTANT: If you are unsure of which security requirement applies, please check your policy schedule.
If you live in a high-security complex
If your home is listed in your policy schedule as being in a high-security complex, and we agreed that the minimum security requirements below apply to you, then you must ensure that the following security measures are in place at the complex, fully maintained and in working order at all times:
○ 24-hour access control to the complex
○ a high perimeter wall with electric fencing, alarmed and linked to either a 24-hour armed-response service or
the guardhouse
If you become aware that any of the above requirements are not in place, you must advise us immediately. We may suspend theft cover or apply new terms and conditions, until you are able to comply.
When your premises in the complex are left unoccupied, we will only consider your claim on the following conditions:
○ all opening windows not protected by burglar bars must be closed
○ all exit doors not protected by security gates must be locked
○ there must be clear signs of forced entry to or exit from the buildings
OR
○ if a 24-hour armed-response service linked alarm system is installed in the buildings
– the alarm must be activated
– 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 the alarm was not activated, we will consider your claim on the following conditions:
– There must be clear signs of forced entry or exit from the buildings.
– The claim is valid in all other respects. For example we didn’t reject it because of your dishonesty or intentional misrepresentation.
– The service provider can give us an audit log of all alarms received (including activation and deactivation) for the last 3 months, showing that the alarm is usually activated and in working order while your premises are left unoccupied.
– You must pay an additional excess on top of your basic excess.
IMPORTANT: Additional security requirements may also be required if stated in your policy schedule.
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