Page 90 - Bay Union - Prestige Policy Wording
P. 90

ALL RISKS
What is not covered
The following speci c items
Under no circumstances do we cover the following items under All Risks:
○ vehicles, motorcycles, scooters, three-wheeled vehicles, quad-bikes, golf carts, trailers, caravans, hang- gliders, aircraft or pleasure-craft – or any of their  tted equipment and accessories
○ credit cards, debit cards, phone cards, deeds, bonds, bills of exchange, promissory notes, cheques, securities for money, manuscripts or documents of any kind
○ cameras and photographic equipment used for professional purposes or for reward, unless otherwise stated in the schedule.
The following events
We do not cover you for loss or damage that is caused by:
○ termites, insects, vermin, moths, or fumes
○  aws or defects, whether present when the item was new or discovered afterwards
○  uctuations in atmospheric or climatic conditions, or the effects of light
○ any process of cleaning, dyeing or renovating
○ the bursting, rusting, corrosion or deterioration of any  rearm
○ defective design, speci cation, construction or material
○ lack of maintenance or upgrading
○ any type of virus or malware (harmful software such as viruses or Trojans)
○ chipping, scratching, denting or breakage of porcelain or similar articles of a fragile nature
○ theft from an unattended vehicle unless:
■ the vehicle is locked, and
■ the insured property is out of view and concealed in a locked boot or locked compartment, and
■ there are clear signs of forced entry.
○ theft or attempted theft of pedal-cycles (or any of their parts), unless they are locked away in a building or securely locked to an immovable object
○ theft or attempted theft of unattended sports equipment that is not locked away
○ electrical or mechanical breakdown, unless accompanied or caused by other insured damage.
87 Bay Union - Prestige Policy Wording - 20 June 2012


































































































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