Page 55 - Hollard Private Portfolio - Version 3.4

Household contents
Pest contamination
We will pay for professional extermination and control of pests caused by a sudden and unexpected infestation of your buildings that:
○ Is a risk to your health.
○ Can lead to loss or damage to your household contents.
○ Makes your home uninhabitable.
This cover does not apply to infestations of termites or woodborer, or if your buildings have been unoccupied for more than 60 days, unless your home is listed as a holiday home in your policy schedule.
Professional cleaning services
We will pay for a professional organisation to clean your household contents, if the contents have been soiled or stained during an assault on you by a party other than your family.
Property of parents and grandparents
We cover loss of or damage to property of your parents and grandparents if they do not have their own contents insurance. The following conditions apply:
○ Your parents must be financially dependent on you, and reside in a nursing home or residential care home.
○ This cover does not include loss of or damage to money, jewellery, watches and bank cards.
Power surge
We will cover you for loss or damage to the household contents caused by power surge. An excess, as shown in your policy schedule, will apply if you do not install an approved surge protection device on the main electrical distribution board. Please refer to the Surge protection requirements under the Your specific responsibilities section.
Removal of contents
Fire, collision or overturning of vehicle
We will cover damage caused by fire, collision or the overturning of the conveying vehicle, when your contents are being moved by professional removers during a permanent change of address, or while in transit between your risk address and any of the following places:
○ The place where you bought the contents from.
○ The place where the contents are being repaired or renovated.
○ A holiday destination.
However, this excludes cover for accidental damage unless you have asked us for accidental damage cover. Check your policy schedule now to see if you have chosen accidental damage – extended cover.
Restoration of data
We will cover the necessary costs to restore lost or damaged data or programmes on your personal or business computer which is kept at the home, provided it is accompanied by physical loss or damage covered under this cover section.
○ This cover includes costs associated with data usage to recover data from the cloud or other internet storage facility.
○ Please note that the Cyber incidents exclusion under the Understanding your policy section will apply. Security guards
We will pay the reasonable and necessary costs to hire security after an insured event, provided the loss gives rise to a claim.
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