Page 14 - Policy Wording - Hollard Prestige Portfolio 1.4

○ Sum insured means the most you can claim for any one incident, the amount stated in the schedule. The sum insured includes VAT.
○ Supplementary means a document that updates or adds to the information in the schedule and/or policy wording.
○ Tenants means any tenant or sub-tenant or boarder including their family and servants.
○ Unoccupied longer than 60 days means the home is not furnished enough to be lived in, or no-one is eating, sleeping and living at the home for more than 60 consecutive days.
○ Virus means a piece of unauthorised executable code which propagates itself through your computer system or network.
○ A warranty means some conditions are so strict that they are actually guarantees on your part – for example, that all jewellery must be kept locked away in a safe. Make sure you understand all terms and conditions; if you do not, it may result in us refusing to pay you out for a claim.
○ We/us/our means The Hollard Insurance Company Limited, Reg. No: 1952/003004/06 (Hollard).
○ What it costs us for repairs means what it costs us to repair the item. For replacement, it means the retail price of
the item as if it were new at the time of the loss or damage less any discount available to us.
○ Your family means your spouse, co-habiting partner, children, parents, grandparents and relatives who permanently live with you most of the time and are financially dependent on you, and where applicable your personal legal representatives.
General terms and conditions
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023