Page 51 - Hollard Private Portfolio - Version 3.4

Household contents
▪ If an item is carried inside a vehicle, then the vehicle is locked, there are clear signs of forced entry and the item is out of view, for instance inside a locked boot or concealed where possible.
▪ If an item is carried on a rack attached to a vehicle such as a roof rack, then the item is secured by a lock and chain, such as a surfboard.
▪ In the case of remote blocking, there is no cover unless there is CCTV footage or other indisputable proof available. Cover will only be considered while in transit between your risk address and any the following places:
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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 your policy schedule:
Accidental damage
We will cover accidental damage to your household contents. Accidental damage is sudden and unforeseen, which you did not intend to happen, such as your child knocking over an expensive ornament and breaking it.
Accidental death
If you are under the age of 80, and you die within 12 months of sustaining an injury on your premises, we will pay out according to the limit stated in your policy schedule for your age. If you, the policyholder named in your policy schedule, die, then we pay your legal representative or your estate.
Acts by tenants
Your insurance risk might be affected by the actions or failure to act of tenants or owners in the following instances:
○ Your tenant, in the case where you own the home and rent it out.
○ The owner or other tenants, in the case where you do not own the home but are renting it from another person. Because their actions are out of your control, we will cover you against loss or damage to your household contents when
their actions or failure to act would have resulted in your claim being rejected. This is on condition that:
○ You are not aware of their actions or failure to act.
○ You tell us as soon as you learn about it.
○ Their actions or failure to act were not malicious and they did not intentionally cause the loss or damage.
The place where you bought the home contents from.
The place where the home contents are being cleaned, dyed, repaired, altered or renovated.
Your place of employment or the accommodation you stay at while travelling for business.
A sports or recreational club.
At your holiday accommodation.
Any other occupied residential home where contents are temporarily stored.
insured under the All Risks section. We also cover you for
This excludes items
Example: If having an alarm system is a requirement on your policy, and your tenant does not tell you that the alarm stopped working, we will cover a claim for damage to your household contents during a burglary, because their failure to let you know of the broken alarm is out of your control. However, if your tenant intentionally causes loss or damage by vandalising your household contents, we will still reject such a claim.
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