Page 71 - Bay Union - Platinum Policy Wording
P. 71

Sec on 2 – Contents
○ Bicycles when le  una ended should be locked to a  xed structure or in a locked building or inside a motor vehicle or  xed to a bicycle carrier on a motor vehicle. If not, cover will be limited to the amount stated in the schedule unless it is speci ed. The excess stated in the schedule applies to this cover.
○ We will not pay for loss or damage to your jewellery and watches and/or contents when temporarily removed from the insured address to another building or out of a vehicle for the  or a empted the  unless accompanied by evidence of violent and forced entry unless otherwise stated in the schedule.
○ Contents in a  sh tank will be covered only on a speci c peril basis which will be limited to  re, storm, accidental damage and lightning subject to receiving a list detailing the items to be insured prior to con rma on of cover.
○ Camping equipment does not include  xtures,   ngs and contents of caravans and trailers. These have to be separately insured under Motor vehicle, Sec on 8.
○ We will not pay for the deteriora on of refrigerated or frozen food and drink as a result of a deliberate act by you or any one in your household.
○ Home unoccupied: We do not cover loss or damage that occurs if your home has been unoccupied for longer than 60 consecu ve days unless you have told us about this and we have agreed in wri ng to provide cover and you have paid us any addi onal premium we may require.
○ Loss or damage to property le  in the open which is caused by storm, water, wind, hail or snow, unless the property is designed to exist in the open.
○ We do not pay more than the limit stated in the schedule for any one loss for the  or misappropria on of jewellery and watches, silverware, linen, stamps and coins, collectable items, furs, pain ngs and Persian carpets by your tenants, paying guests, house sitters, domes c employees, contractors or someone that does not form part of the household unless violence or force is used. The excess stated in the schedule applies to this cover.
○ We do not pay for loss or damage to a  rearm or gun when it is not in a locked gun safe or you are not carrying it at the  me of loss or damage.
○ We do not pay for loss or damage as a result of the  or attempted the  to ride-on or motorised lawnmowers and power equipment cover will be limited to the amount stated in the schedule if not kept in a locked structure. The excess stated in the schedule applies to this cover.
○ We will not be liable for loss or damage covered by any manufacturer’s guarantee, purchase agreement or service contract.
○ Money cover will be limited to the amount stated in the schedule if it is not kept in a locked safe at the insured address. The the  must be accompanied by evidence of violent and forced entry.
○ We will not be liable for loss or damage to musical instruments caused by breakage of strings, reeds or drum heads while the instrument is being played.
○ Possessions of any  nancially dependent parent or grandparent are covered provided that the  from the re rement home or residence is accompanied by evidence of violent and forced entry.
Bay Union – Pla num Policy Wording – 24 October 2016 69


































































































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