Page 78 - Policy Wording - Hollard Prestige Portfolio 1.4

What is not covered
○ We will not cover any loss or damage 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
– gradual deterioration, lack of maintenance, depreciation or wear and tear
– defective workmanship or design or the use of faulty materials
– infestation, vermin, rats, mice, insects, pests or domestic pets
– loss, damage or deterioration of an item caused by any process of cleaning, repairing, restoring, dyeing, bleaching or alteration
– damage to glass, glassware, jewellery or other brittle articles due to cracking, denting, chipping or scratching
– loss or damage to money, credit and cash cards or other negotiable instruments used in financial trading
– breakage of mirrors, glassware, crystal, crockery or china while they are being used, cleaned or carried by hand
– items that fail while still under their manufacturer’s guarantee
– over-winding of clocks.
○ We do not cover the cost of reproducing sound, data and images on tapes, records, compact discs, films or magnetic media or any other electronic media.
○ We do not pay for fixtures, fittings and contents of caravans and trailers. These have to be separately insured under the Motor vehicle, Section 8.
○ We do not cover loss or damage to firearms caused by rust, bursting or breakdown.
○ We do not cover loss or damage to a firearm and gun when it is not in a locked gun safe or if you are not carrying
it at the time.
○ We do not pay for mechanical or electrical breakdown where there is no other damage.
Section 3 – Assets specified
76 Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023