Page 58 - Execuline - Classic Policy Wording

Household contents
What is not covered
Breakdown, vermin and damp
You are not covered for loss or damage resulting from the following:
○ mechanical or electrical breakdown (unless specifically stated in the schedule)
○ vermin, insects, mildew, damp, wet or dry rot, or any other gradually operating cause. Certain specific items
Securities, manuscripts, medals, livestock, etc.
○ negotiable securities such as deeds, bonds, bills of exchange, promissory notes and cheques
○ manuscripts or documents of any kind
○ prepaid phone cards or cellphone vouchers
○ motor vehicles, motorcycles, scooters, golf carts, three-wheeled vehicles, quad-bikes, caravans, trailers and all
fitted accessories
○ aircraft, pleasure-craft, hang-gliders and their equipment
○ livestock or other animals
○ rare books, medals, stamps or coin collections, unless specified in the schedule
○ any item that you specifically insure in this policy or any other policy.
Loss or damage from non-standard construction
Your policy is valid only if your home and outbuildings are of standard construction – i.e. the walls and roof are solidly built of material such as brick, stone or metal (see definition on page 42). Any exceptions to this requirement must be specified in the schedule.
Thatched roof
You cannot claim for loss or damage if your home has a thatched roof, unless this is specifically mentioned in the schedule.
Jewellery, rugs, etc. covered up to 30%
We will not pay you for more than 30% of the sum insured for loss or damage to precious metals and stones, jewellery, watches, furs, rugs and carpets.
56 HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015