Page 56 - Policy Wording - Hollard Prestige Portfolio 1.4

What is not covered
○ We will not cover any loss or damage caused by or consisting of:
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dryness or moisture, exposure to light or extreme temperatures unless the loss is caused by storm or fire damage
anything that happens gradually, including smoke and dust damage, rising damp, fungus or mildew, mould, decay, action of light, atmospheric or climatic conditions, corrosion, rot or a rise in the underground water table
scratching, chipping, chewing, tearing, disfiguration or discolouration and cracking or denting coastal or river erosion, rust or corrosion
gradual deterioration, lack of maintenance, depreciation or wear and tear
infestation, vermin, rats, mice, insects, pests or domestic pets
roots and weeds
loss, damage or deterioration of an item caused by any process of cleaning, repairing, restoring, dyeing, bleaching or alteration
cracking or collapse of buildings, tennis courts or driveways
any additional costs resulting from the unavailability of matching materials pollution or contamination
chemicals, fertilisers and pesticides that have been used or applied subsidence, landslip or ground heave unless it is stated in your schedule.
not cover accidental loss or damage:
due to cracking or scratching of sanitary ware or glass except for fish tanks. not pay for loss or damage to fixed equipment directly or indirectly caused by:
gradual deterioration, depreciation, wear and tear
faulty design or workmanship or using tools or equipment in an incorrect manner vermin, rats, mice, insects, pests or domestic pets
cleaning or repairing
purposefully overloading the fixed equipment
any loss or damage that is insured under a manufacturer’s warranty or service contract.
○ We will not cover loss or damage caused by defective workmanship or design, defective materials, structural faults or faulty designs.
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Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023