Page 73 - Hollard - Private Portfolio Policy Wording

All Risks
Remote blocking – unspeci ed property
If unspeci ed property is stolen from your vehicle without any forced entry and you blame that on interference with your remote control by a blocking device, then you must prove it to us. The amount of the pay-out will depend on whether the evidence is acceptable to us and whether it can be backed up by CCTV footage. Check your Schedule now to see what the applicable limits are.
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, aircra (other than remote control aeroplanes/drones if speci ed) or pleasure-cra – or any of their ed equipment and accessories
○ remote-controlled aeroplanes/drones while in use or in ight
○ money, credit cards, debit cards, phone cards, deeds, bonds, bills of exchange, promissory notes, cheques,
securi es for money, manuscripts or documents of any kind
○ cameras and photographic equipment used for business purposes or nancial gain.
The following events
We do not cover you for loss or damage that is caused by:
○ termites, insects, domes c pets, vermin, moths, or fumes
○ aws or defects, whether present when the item was new or discovered a erwards
○ uctua ons in atmospheric or clima c condi ons, or the e ects of light
○ any process of cleaning, dyeing or renova ng
○ the burs ng, rus ng, corrosion or deteriora on of any rearm
○ defec ve design, speci ca on, construc on or material
○ lack of maintenance or upgrading
○ any type of virus or malware (harmful so ware such as viruses or Trojans)
○ chipping, scratching, den ng or breakage of porcelain or similar ar cles of a fragile nature
○ loss or damage while items are mailed or couriered unless speci cally agreed by us in wri ng
○ the from an una ended 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
○ electrical, electronic or mechanical breakdown, unless accompanied or caused by other insured damage
○ the of the pedal-cycle from an una ended vehicle unless:
– the vehicle is locked, and
– there are clear signs of forced entry
Hollard Private Por olio 71