Page 72 - Policy Wording - Hollard Prestige Portfolio 1.4

○ Bicycles when left unattended should be locked to a fixed structure or in a locked building or inside a motor vehicle or fixed to a bicycle carrier on a motor vehicle. If not, cover will be limited to the amount stated in the schedule unless it is specified. The excess stated in the schedule applies to this cover.
○ We will not pay for loss or damage to your jewellery and watches and/or contents when temporarily removed from the insured address to another building or out of a vehicle for theft or attempted theft unless accompanied by evidence of violent and forced entry unless otherwise stated in the schedule.
○ Contents in a fish tank will be covered only on a specific peril basis which will be limited to fire, storm, accidental damage and lightning subject to receiving a list detailing the items to be insured prior to confirmation of cover.
○ Camping equipment does not include fixtures, fittings and contents of caravans and trailers. These have to be separately insured under Motor vehicle, Section 8.
○ We will not pay for the deterioration of refrigerated or frozen food and drink as a result of a deliberate act by you or any one in your household.
○ Home unoccupied: We do not cover loss or damage that occurs if your home has been unoccupied for longer than 60 consecutive days unless you have told us about this and we have agreed in writing to provide cover and you have paid us any additional premium we may require.
○ Loss or damage to property left in the open which is caused by storm, water, wind, hail or snow, unless the property is designed to exist in the open.
○ We do not pay more than the limit stated in the schedule for any one loss for theft or misappropriation of jewellery and watches, silverware, linen, stamps and coins, collectable items, furs, paintings and Persian carpets by your tenants, paying guests, house sitters, domestic employees, contractors or someone that does not form part of the household unless violence or force is used. The excess stated in the schedule applies to this cover.
○ We do not pay for loss or damage to a firearm or gun when it is not in a locked gun safe or you are not carrying it at the time of loss or damage.
○ We do not pay for loss or damage as a result of theft or attempted theft to ride-on or motorised lawnmowers and power equipment cover will be limited to the amount stated in the schedule if not kept in a locked structure. The excess stated in the schedule applies to this cover.
○ We will not be liable for loss or damage covered by any manufacturer’s guarantee, purchase agreement or service contract.
○ Money cover will be limited to the amount stated in the schedule if it is not kept in a locked safe at the insured address. The theft must be accompanied by evidence of violent and forced entry.
○ We will not be liable for loss or damage to musical instruments caused by breakage of strings, reeds or drum heads while the instrument is being played.
○ Possessions of any financially dependent parent or grandparent are covered provided that theft from the retirement home or residence is accompanied by evidence of violent and forced entry.
Section 2 – Contents
70 Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023