Page 59 - Hollard Private Portfolio - Version 3.4

Household contents
○ your premises are still predominantly used for residential purposes
○ your business activities do not introduce additional risks to your home or outbuildings such as spray-painting
or welding.
Keys, locks and remote controls – increased cover
We will not pay more than the amount in the policy schedule.
We will pay for the cost of replacing lost, stolen or damaged keys, locks and remote controls, as well as the call-out costs of a technician and the reprogramming of any coded alarm system. This will also apply if you have reasonable suspicion that an unauthorised person has access to duplicates.
This is additional cover, and applies if the limited cover is not enough to replace your keys, locks or remote controls. The limit for this additional cover is in addition to the limit provided under the heading We also cover you for.
Power surge – increased cover
We will not pay more than the amount in your policy schedule.
We will cover you for loss or damage to the household contents caused by power surge.
This additional cover applies only if you have installed a power surge protection device on the main electrical distribution board and if the limited cover is not enough to replace or repair the damage. Please refer to the Surge protection requirements under the Your specific responsibilities section.
The limit for this additional cover is in addition to the limit provided under the heading We also cover you for. Subsidence, landslip or ground heave – extended cover
You are covered for loss or damage to contents on your premises caused by subsidence, landslip or ground heave. However, this cover does not apply when the subsidence, landslip or ground heave results from:
○ structural alterations, additions or repairs to your premises
○ defective or faulty design, materials or workmanship of the insured property
○ excavations, other than mining operations
○ removal or weakening of the support to your building
○ damage that already existed when your cover started.
If required, you will have to prove that the loss or damage was caused by subsidence, landslip or ground heave.
What is not covered
These exclusions are in addition to the exclusions shown in the General exclusions section. We will not pay a claim for any of the benefits set out in the Household contents section of this policy that was caused by or related to any of the following exclusions.
Accidental damage to software and data
The accidental damage cover provided under the included Accidental damage cover does not include loss or damage to the operating system and software of electronic devices, such as cell phones, tablets, laptops, desktop computers, media servers and handheld electronic devices, unless the device is physically damaged at the same time.
Alterations and additions to the building
We do not cover loss or damage to your household contents as a result of:
○ Accidental damage while alterations, renovations or additions are being carried out by a business that you have hired to do this work.
○ Theft of your household contents when building alterations, renovations and additions are taking place, unless there are visible signs of forcible or violent entry to or exit from the home.
○ Malicious damage or vandalism caused by the contractor to contents in unfinished parts of the building.
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