Page 69 - Execuline - Classic Policy Wording

All Risks
What is not covered
The following specific 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 fitted equipment and accessories
○ money, 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. The following events
We do not cover you for loss or damage that is caused by:
○ termites, insects, vermin, moths, or fumes
○ flaws or defects, whether present when the item was new or discovered afterwards
○ fluctuations 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 firearm
○ defective design, specification, 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 of pedal-cycles (or any of their parts), unless they are locked away in a building or securely locked to an immovable object
○ electrical, electronic or mechanical breakdown, unless accompanied or caused by other insured damage.
HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015 67