Page 71 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 2 – Contents
What is not covered
○ We will not cover any loss or damage – unless specifically stated as covered below – caused by, or consisting of:
– 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, action of light, atmospheric or climatic conditions, corrosion, rot, rust, decay or a rise in the 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
– defective workmanship or design or the use of faulty materials or misuse
– infestation, vermin, rats, mice, insects, pests or domestic pets
– loss, damage or deterioration of an item caused by any process of cleaning (except as covered under the
Bed-and-Breakfast optional extension to cover), repairing, restoring, dyeing, bleaching or alteration
– chemicals, fertilisers and pesticides that have been used or applied
– breakage of mirrors, glassware, crystal, crockery or china while they are being used, cleaned or carried by hand
– damage to glass, glassware, jewellery or other brittle articles due to cracking, denting, chipping or scratching
– any additional costs resulting from the unavailability of matching materials
– over-winding of clocks.
○ We do not pay for loss or damage caused by animals biting, pecking or clawing the contents or damage caused by their excrement or urine (for example, birds chewing and biting parts of your home made of wood or cats clawing furniture). We will, however, pay up to the limit stated in the schedule only for damage to your contents caused by an animal which does not belong to you or anyone living in your home while it is accidentally trapped inside your home. The excess stated in the schedule applies to this cover.
○ Alterations and additions to your home:
We will not cover you for loss or damage to your contents as result of:
– damage to your contents is caused by cracking, collapse, subsidence or caused fully or partially by the new work on the building
– for accidental damage to contents while alterations or additions are being carried out
– for theft of contents unless there is evidence of violent and forced entry to or exit from the building
– for damage to contents caused by water, storm or flood due to any part of the building not being fully built
– malicious damage or vandalism to unfinished parts of the new work.
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