Page 71 - Hollard Private Portfolio - Version 3.4

All Risks
○ 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, you will be covered up to the limit stated in your policy Schedule.
This exclusion does not apply to theft of unattended pedal cycles. Please refer to the Comply with our conditions for pedal cycles (including e-bicycles) conditions as explained under the heading Your specific responsibilities to understand your theft cover for these items.
The following specific items
Under no circumstances do we cover the following items under All Risks:
○ vehicles, motorcycles, scooters (other than mobility scooters and children’s motorised scooters/motorbikes/ ride-ons), three-wheeled vehicles, quad-bikes, motorised lawnmowers, golf carts, trailers, caravans, hang- gliders, aircraft (other than remote control aeroplanes/drones if specified) or pleasure-craft – or any of their fitted equipment and accessories
○ cameras and photographic equipment used for business purposes or financial gain. Your specific responsibilities
Be aware of your responsibilities
Some of the terms below require specific action on your part. In such cases, you must do what is asked of you, or we may reject your claim.
Jewellery and watches safe requirement
○ When your property is unoccupied or when the item is away from the risk address, we will only cover an item in full if you keep it in a locked safe while not in use. If not kept in a safe, then your cover is limited to the amount per item as shown in your policy schedule. The following requirements apply to the safe:
– The safe must be permanently fitted to the floor or a structural wall of the building where it is kept (at your risk address or at another building).
– You must keep the keys or access codes to the safe in a secure place to prevent unauthorised access.
○ When your property is occupied, we will only cover an item that was not kept in a locked safe 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.
Meaning of while in use: This means you are either wearing the item or you have temporarily taken it off with the intention of putting it back on again. For example, removing your ring:
○ To wash dishes or while baking.
○ To have a shower.
○ At night while sleeping and leaving it on your bedside table.
However, if you leave your property unoccupied or when an item is taken away from the risk address, then you need to make sure that your jewellery and watches that are worth more than the amount per item as shown in your policy schedule are kept in a safe while not in use in order to be covered in full.
Comply with our conditions for pedal cycles (including e-bicycles)
We will cover theft of your unattended pedal cycle in the following instances below. If you do not comply with these conditions, then cover will be up to the limit as shown in your policy schedule. The unattended pedal cycle is:
○ Inside a vehicle that is locked and there are clear signs of either forced entry or exit, or there is CCTV footage or other indisputable proof in the case of remote jamming.
○ Inside a trailer that is locked and there are clear signs of forced entry.
○ Inside a vehicle or trailer that is securely parked (for instance inside a locked building or behind locked gates)
and there are visible signs of forcible or violent entry to or exit from the building or the property.
Hollard Private Portfolio – Version 3.4 – 17 Aug 2023 69