Page 23 - Policy Wording - Hollard Prestige Portfolio 1.4

General exclusions
○ Cyber incidents: A cyber incident is any of the following which affects the processing, use or operation of any computer, network, back-up facility or electronic data:
– Programming or operating errors by any person or persons.
– Unauthorised or malicious acts regardless of the time, place or whether it is a threat or a hoax.
– Malware and similar mechanisms which are specifically designed to disrupt, damage or gain unauthorised access to a computer system or electronic data, such as viruses, worms, Trojans, logic bombs, spyware, ransomware and denial of service attacks.
– Any unintentional failure, however minor, of any computerised system which is not directly caused by physical loss or damage except for the Additional cover Restoring data on computers under the Contents cover section.
○ Asbestos means any loss or damage that arises as a result of contact with asbestos in any form or quantity. This is because of the inherently hazardous nature of the substance.
○ Contractual liability means any loss arising from any contractual liability.
○ Mining operation means any loss or damage other than earthquake caused or aggravated directly or indirectly by
or arising from any mining operation or mining activity.
○ General exclusions this policy does not cover:
– loss, damage or liability when it is caused intentionally by you or with your knowledge or consent
– any loss or damage, injury, liability or claim that arises from any dishonest act, theft by false pretences or
fraudulent act or representation of a third party
– any loss, damage, cost or expense that arises directly or indirectly from customs officials, policing services, crime prevention units or other officials or authorities detaining you, or confiscating, making you forfeit, impounding, demanding, detaining or legally seizing your property
– any consequential loss or indirect loss or damage which results directly or indirectly from any causes whatsoever, unless your policy specifically provides for such an event
– claims in excess of the sum insured/insured amount or limits stated in the schedule
– any excess amount payable
– wear and tear or breakdown due to any damage to consumable parts or parts with a limited lifespan
– malicious damage or theft if the home is unoccupied for more than 60 consecutive days
– mechanical, electrical or electronic breakdown, defect or failure unless otherwise stated
– items that fail while still under any manufacturer’s warranty or guarantee, maintenance or lease agreement.
○ Trade and economic sanctions: We cannot provide any cover where to do so would violate trade or economic sanctions. Should we become aware of the fact that you are subject to such sanctions, we would have to void (cancel) your policy from its start date or the date that you become subject to sanctions. We will refund any premiums due to you, and no claims will be payable.
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