Page 62 - Hollard Private Portfolio - Version 3.4

Household contents
○ When your property is occupied: We will only cover an item that was not kept in a locked safe whilst not in use if there was a threat of force to your person or if there are visible signs of forcible or violent entry to or exit from your home or your property.
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 your policy 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 your policy 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.
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.
60 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023