Page 65 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 2 – Contents
– when kept in a vehicle the items must be out of sight and the vehicle securely locked or the items must be housed in a securely locked building and entry to the vehicle or building must be accompanied by evidence of violent and forced entry but subject to 'Out of vehicle cover as stated under Additional cover'. The excess stated in the schedule applies to this cover
– unless you are able to provide proof of purchase as described under 'How we settle your claim' we will not pay more than the limit stated in the schedule anyone item at the time of the loss or damage
– you must keep each item of jewellery or watches with a value in excess of the limit stated in the schedule in a locked safe that is fixed to the building when the buildings you keep your jewellery and watches in are unoccupied. Alternatively the items should be worn or carried by you at the time of the loss. If not, the payment will be limited to the amount stated in the schedule per item.
○ Liability to the public
We will cover you for personal legal liability under Section 5, Personal Liability as far as it applies to your liability
as the owner of the contents.
○ Removal of contents means we will cover you against loss or damage under this section when:
– professional furniture removal contractors remove your contents during a permanent change of insured address
– your contents are in transit to or from a furniture storage facility and/or bank safe deposit
– your contents are in transit between the place of purchase, repair or renovation and your insured address,
provided that:
• reasonable steps have been taken to safeguard each item
• the items are out of sight and the transporting vehicle is securely locked, or
• housed in a securely locked building and entry to the vehicle or building is accompanied by evidence of violent and forced entry and exit.
We do not cover:
• loss or damage resulting from or caused by any contents not being adequately packed and secured, having regard to the nature of the item
• loss or damage arising while in transit by sea or air.
Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023 63