Page 70 - Bay Union - Platinum Policy Wording
P. 70

Sec on 2 – Contents
What is not covered
○ We will not cover any loss or damage – unless speci cally stated as covered below – caused by, or consis ng of:
– dryness or moisture, exposure to light or extreme temperatures, unless the loss is caused by storm or  re
– anything that happens gradually, including smoke and dust damage, rising damp, fungus or mildew, mould, ac on of light, atmospheric or clima c condi ons, corrosion, rot, rust, decay or a rise in the water table
– scratching, chipping, chewing, tearing, dis gura on or discoloura on and cracking or den ng
– coastal or river erosion, rust or corrosion
– gradual deteriora on, lack of maintenance, deprecia on or wear and tear
– defec ve workmanship or design or the use of faulty materials or misuse
– infesta on, vermin, rats, mice, insects, pests or domes c pets
– loss, damage or deteriora on of an item caused by any process of cleaning (except as covered under the
Bed-and-Breakfast op onal extension to cover), repairing, restoring, dyeing, bleaching or altera on
– chemicals, fer lisers and pes cides that have been used or applied
– breakage of mirrors, glassware, crystal, crockery or china while they are being used, cleaned or carried by hand
– damage to glass, glassware, jewellery or other bri le ar cles due to cracking, den ng, chipping or scratching
– any addi onal costs resul ng from the unavailability of matching materials
– over-winding of clocks.
○ We do not pay for loss or damage caused by animals bi ng, pecking or clawing the contents or damage caused by their excrement or urine (for example, birds chewing and bi ng parts of your home made of wood or cats clawing furniture). We will, however, pay up to the limit stated in the schedule only for damage to your contents caused by an animal which does not belong to you or anyone living in your home while it is accidentally trapped inside your home. The excess stated in the schedule applies to this cover.
○ Altera ons and addi ons to your home:
We will not cover you for loss or damage to your contents as result of:
– – – –
damage to your contents is caused by cracking, collapse, subsidence or caused fully or par ally by the new work on the building
for accidental damage to contents while altera ons or addi ons are being carried out
for the  of contents unless there is evidence of violent and forced entry to or exit from the building
for damage to contents caused by water, storm or  ood due to any part of the building not being fully built malicious damage or vandalism to un nished parts of the new work.
Bay Union – Pla num Policy Wording – 24 October 2016

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