Page 38 - Policy Wording - Hollard Prestige Portfolio 1.4

Precautionary measures
If you declared precautionary measures at any time during the period of insurance, or any such measure is a prerequisite for cover, you must ensure that these measures are in place and in working order at the time of loss or damage for which a claim is submitted. If these measures are not adhered to we reserve the right to reject your claim.
○ Burglar bars and security gates
(If stated in the schedule as applicable)
– all opening windows, louvres and skylights must be protected by burglar bars
– security gates must be fitted to all exiting doors, and must be locked when your home is left unoccupied
or unattended.
○ Alarm system
– the alarm must be linked to a 24-hour armed-response service
– the alarm must be working properly
– it must be activated when your home is left unoccupied or unattended
– you must change the generic code to your own unique code.
Note that your alarm system may be required to include an electric fence or outside alarm beams. This is described in your schedule as perimeter security.
The warranty will not apply should the alarm malfunction due to a defect or circumstances unknown to or beyond the control of the insured.
The additional excess stated in the schedule will apply if the alarm malfunctions due to a defect or circumstances unknown to you or beyond your control at the time of theft, attempted theft or burglary.
If you are unsure of which security requirement applies, please check your schedule.
If you live in a high-security complex
If your home is listed in the schedule as being in a high-security complex, then you must have the following security measures in place at all times, fully maintained and in working order:
○ 24-hour access control to the complex
○ a perimeter wall (minimum 1.8 metres high) with electric fencing, alarmed and linked to either a
24-hour armed-response service or the guardhouse
○ when your home is left unoccupied:
–
–
all windows must be closed and
all doors leading outside must be locked.
How we settle your claim
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023