Page 87 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 4 – Fine arts
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 and/or corrosion
– 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
– 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 fine arts or damage caused by their excrement or urine (for example, birds chewing and biting parts of your fine arts made of wood or cats clawing furniture). We will, however, pay for damage to your fine arts caused by an animal which does not belong to you or anyone living in your home while it is accidentally trapped inside your home.
○ We do not pay for the disappearance of an individual stamp, coin, or other item that is insured as part of a collection unless it is mounted in a volume and the page is also lost.
○ 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 pay us any additional premium we may require.
○ We will not be liable for loss or damage covered by any manufacturer’s guarantee, purchase agreement or service contract.
○ We will not be liable for loss or damage to musical instruments:
– caused by breakage of strings, reeds or drumheads while the instrument is being played
– used for business or professional activity.
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