The Policy provides a number of significant features and benefits which are subject to terms, conditions and exclusions. It is important that You read the Policy carefully and that You understand the extent of the cover Chubb offers. Before Chubb will pay a claim, You must meet the requirements for making a claim which are explained on page 5 of this PDS and on pages 20-21 of the Policy (click here to view entire policy).

The Policy cover is described below. The Policy cover is subject to the terms, conditions and exclusions stated in the Policy.

Your Policy gives You cover against physical loss or damage to Your valuable article identified in Your Coverage Summary anywhere in the world.

Exclusions

A number of exclusions apply to the Policy and all of them are important. It is important that You carefully read and are aware of them. They can be found on pages 23-24 of the Policy (click here to view entire policy).

Cost of the Policy

The cost of Your Policy is the total premium due as detailed on the confirmation advice issued to You. It is made up of Your premium plus any applicable government taxes and charges. In some instances in the first Policy Period the cost of Your Policy may be pre-paid and not Your responsibility. For each renewal at the end of the first Policy Period the cost of Your Policy is Your responsibility. If You do not pay, We will not renew Your Policy and You will no longer have insurance for Your Valuable Article with Us.

Upon renewal the premium payable will be determined by a number of factors, including:

  • Sum insured
  • Safety measures protecting the Valuable Article
  • Location

The premium payable upon any future renewal may be increased by a lack of adequate safety measures, sum insured and claims history.

Prior to the expiration of Your insurance contract, a renewal notice will be forwarded to You. Confirmation of Your intent to renew Your insurance together with the premium payable should be returned to Our Representative.

Deductible

If You make a claim under Your Policy, You may be required to pay a Deductible.

For example, if you have a loss involving damage to your Valuable Article to the value of $1,000 and you are subject to a deductible of $100, then we will pay you $900.

Cancelling Your Policy before the due date

If You have paid the Policy premium, You may cancel this Policy at any time by returning it to Us or Our Representative or notifying them in advance of the future date that the cancellation is to take effect. We may only cancel this Policy or any part of it under the conditions set out at pages 21-22 of the Policy (click here to view entire policy).

Return of premium if Your Policy is cancelled before the due date

If either You or We cancel the Policy, Chubb will refund any unearned premium on the effective date of cancellation, or as soon as possible afterwards. The unearned premium will be computed pro rata for the unexpired term of the Policy.

How to Make a Claim

Please contact Jewellers Loop on 1300 882 018 or email them at claims@qreport.com.au. They can submit the claim on Your behalf or You can contact Chubb directly at the office closest to you. Full details of what You must do for Us to consider Your claim are provided on pages 20-21 of Your Policy (click here to view entire policy).

Cooling Off Period

You have 14 days to consider the information contained in Your Policy. This is Your cooling off period. This does not apply on renewal. To exercise this right You must notify Jewellers Loop in writing or electronically within 14 days from the date Your Policy takes effect.

Change of personal details

If You have changed Your address or require any other personal details to be altered, please advise Jewellers Loop.

Duty of Disclosure

Your Duty of Disclosure
Before you enter into an insurance contract, you have a duty to tell us anything that you know, or could reasonably be expected to know, may affect our decision to insure you and on what terms.

You have this duty until we agree to insure you.

You have the same duty before you renew, extend, vary or reinstate an insurance contract.

What you do not need to tell us
You do not need to tell us anything that:

  • reduces the risk we insure you for; or
  • is common knowledge; or
  • we know or should know as an insurer; or
  • we waive your duty to tell us about.

If you do not tell us something
If you do not tell us anything you are required to, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.

If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

Privacy Statement

Chubb is committed to protecting your privacy. This document provides you with an overview of how we handle your personal information. Our Privacy Policy can be accessed on our website at www.chubb.com/au

Personal Information Handling Practices

Collection, Use and Disclosure
We collect your personal information (which may include sensitive information) when you are applying for, changing or renewing an insurance policy with us or when we are processing a claim in order to help us properly administrate your insurance proposal, policy or claim.

Personal information may be obtained by us directly from you or via a third party such as your insurance intermediary or employer (e.g. in the case of a group insurance policy).

When information is provided to us via a third party we use that information on the basis that you have consented or would reasonably expect us to collect your personal information in this way and we take reasonable steps to ensure that you have been made aware of how we handle your personal information.

The primary purpose for our collection and use of your personal information is to enable us to provide insurance services to you. Sometimes, we may use your personal information for our marketing campaigns, in relation to new products, services or information that may be of interest to you.

We may disclose the information we collect to third parties, including service providers engaged by us to carry out certain business activities on our behalf (such as assessors and call centres in Australia). In some circumstances, in order to provide our services to you, we may need to transfer personal information to other entities within the Chubb Group of companies (such as the regional head offices of Chubb located in Singapore, UK or USA), or third parties with whom we or those other Chubb Group entities have sub-contracted to provide a specific service for us, which may be located outside of Australia (such as in the Philippines or USA). Please note that no personal information is disclosed by us to any overseas entity for marketing purposes.

In all instances where personal information may be disclosed overseas, in addition to any local data privacy laws, we have measures in place to ensure that those parties hold and use that information in accordance with the consent you have provided and in accordance with our obligations to you under the Privacy Act 1988 (Cth).

Your Choices
In dealing with us, you agree to us using and disclosing your personal information as set out in this statement and our Privacy Policy. This consent remains valid unless you alter or revoke it by giving written notice to our Privacy Officer. However, should you choose to withdraw your consent it is important for you to understand that this may mean we may not be able to provide you or your organisation with insurance or to respond to any claim.

How to Contact Us
If you would like a copy of your personal information, or to correct or update it, please contact our customer relations team on 1800 815 675 or email CustomerService.AUNZ@chubb.com

If you have a complaint or would like more information about how we manage your personal information, please review our Privacy Policy for more details or contact the Privacy Officer, Chubb Insurance Australia Limited, GPO Box 4907, Sydney NSW 2001, Tel: +61 2 9335 3200 or email Privacy.AU@chubb.com

General Insurance Code of Practice

We are a signatory to the General Insurance Code of Practice (the Code). The objectives of the Code are to further raise standards of service and promote consumer confidence in the general insurance industry. Further information about the Code and your rights under it is available at
www.codeofpractice.com.au and on request.

Financial Claims Scheme

We are an insurance company authorised under the Insurance Act 1973 (Cth) (Insurance Act) to carry on general insurance business in Australia by the Australian Prudential Regulation Authority. (APRA) and are subject to the prudential requirements of the Insurance Act.

The Insurance Act is designed to ensure that, under all reasonable circumstances, financial promises made by Us are met within a stable, efficient and competitive financial system.

Because of this We are exempted from the requirement to meet the compensation arrangements Australian financial services licensees must have in place to compensate retail clients for loss or damage suffered because of breaches by the licensee or its representatives of Chapter 7 of the Corporations Act 2001 (Cth). We have compensation arrangements in place that are in accordance with the Insurance Act.

In the unlikely event that We were to become insolvent and were unable to meet Our obligations under the Policy, a person entitled to claim may be entitled to payment under the Financial Claims Scheme. Access to the Scheme is subject to eligibility criteria. Please refer to https://www.fcs.gov.au for more information.

Complaints and Dispute Resolution

We take the concerns of our customers very seriously and have detailed complaint handling and internal dispute resolution procedures that you can access. Please note that if we have resolved your initial complaint to your satisfaction by the end of the 5th business day after we have received it, and you have not requested that we provide you a response in writing, the following complaint handling and internal dispute resolution process does not apply. This exemption to the complaints process does not apply to complaints regarding a declined claim, the value of a claim, or about financial hardship.

Stage 1 – Complaint Handling Procedure
If you are dissatisfied with any aspect of your relationship with Chubb including our products or services and wish to make a complaint, please contact us at:

The Complaints Officer
Chubb Insurance Australia Limited
GPO Box 4065
Sydney NSW 2001
O 1800 815 675
E Complaints.AU@chubb.com

The members of our complaint handling team are trained to handle complaints fairly and efficiently.

Please provide us with your claim or policy number (if applicable) and as much information as you can about the reason for your complaint.

We will investigate your complaint and keep you informed of the progress of our investigation. We will respond to your complaint in writing within fifteen (15) business days provided we have all necessary information and have completed any investigation required. In cases where further information or investigation is required, we will work with you to agree reasonable alternative time frames and, if We cannot agree, you may request that your complaint is taken to Stage 2 and referred to Our internal dispute resolution team. We will otherwise keep you informed about the progress of our response at least every ten (10) business days, unless you agree otherwise.

Please note if your complaint relates to Wholesale Insurance (as defined in the General Insurance Code of Practice), we may elect to refer it straight to Stage 2 for review by our Internal Dispute Resolution team.

Stage 2 – Internal Dispute Resolution Procedure
If you advise us that you wish to take your complaint to Stage 2, your complaint will be reviewed by members of our internal dispute resolution team, who are independent to our complaint handling team and are committed to reviewing disputes objectively, fairly and efficiently.

You may contact our internal dispute resolution team by phone, fax or post (as below), or email at:

Internal Dispute Resolution Service
Chubb Insurance Australia Limited
GPO Box 4065
Sydney NSW 2001
O +61 2 9335 3200
F +61 2 9335 3411
E DisputeResolution.AU@chubb.com

Please provide us with your claim or policy number (if applicable) and as much information as you can about the reason for your dispute.

We will keep you informed of the progress of our review of your dispute at least every ten (10) business days and will respond to your dispute in writing within fifteen (15) business days, provided we have all necessary information and have completed any investigation required. In cases where further information or investigation is required, we will work with you to agree reasonable alternative time frames. If we cannot agree, you may refer your dispute to the Financial Ombudsman Service Australia (FOS) as detailed under Stage 3 below, subject to its Terms of Reference. If your complaint or dispute falls outside the FOS Terms of Reference, you can seek independent legal advice or access any other external dispute resolution options that may be available to you.

Stage 3 – External Dispute Resolution
If you are dissatisfied with our internal dispute determination, or we are unable to resolve your complaint or dispute to your satisfaction within forty-five (45) days, you may refer your complaint or dispute to FOS, subject to its Terms of Reference.

FOS is an independent external dispute resolution scheme approved by the Australian Securities and Investments Commission. We are a member of this scheme and we agree to be bound by its determinations about a dispute. Where a dispute is covered by the FOS Terms of Reference, the General Insurance Division of FOS offers a free and accessible dispute resolution service to consumers.

You may contact FOS at any time at:

Financial Ombudsman Service Australia
GPO Box 3
Melbourne VIC 3001
O 1800 367 287
F +61 3 9613 6399
E info@fos.org.au
www.fos.org.au

If you would like to refer your dispute to FOS you must do so within 2 years of the date of our internal dispute determination. FOS may still consider a dispute lodged after this time if FOS considers that exceptional circumstances apply.

Key Facts Sheet

Where required by law, Chubb will provide Key Facts Sheets (KFS) on request from consumers in respect to policies which offer coverage for destruction, loss or damage of or to valuable articles. Chubb may provide the KFS by electronic means.

The KFS is a separate document from the PDS and Policy Wording. A current copy of each KFS will be available on Chubb’s website at www.chubb.com/au from the relevant date.

Updating Our PDS

We may need to update the information contained in Our PDS from time to time (where allowed to or required by law). We will issue You with a new PDS or a Supplementary PDS or other compliant document to update the information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, We may issue You with notice of this information in other forms or keep an internal record of such changes (You are welcome to get a paper copy free of charge by calling Us).

Insurance Council of Australia

Where We cannot provide You with insurance cover, We will refer You to the Insurance Council of Australia (the ICA) for information about alternative insurance options (unless You already have someone acting on Your behalf). The ICA has established a referral service called ‘Find an Insurer’. Information on finding alternative insurers can be found at www.findaninsurer.com.au

The Policy is issued by Chubb Insurance Australia Limited ABN 23 001 642 020 AFSL 239687.

Our website can be visited at www.chubb.com/au.

This PDS is dated 1 November 2016.

 

Introduction and Policy Definitions

This is Your Chubb Policy. Together with Your Coverage Summary it explains Your cover and other conditions of Your Policy in detail.

This Policy is a contract between You and Us. Please READ YOUR POLICY CAREFULLY and keep it in a safe place.

Agreement

We agree to provide the insurance described in this Policy in return for Your premium and compliance with all the Policy conditions. On any renewal of this Policy, We may offer to provide renewal insurance to You as described in this policy in return for Your payment of any new or additional premium and Your compliance with all the Policy conditions.

Policy Definitions

In this Policy, We use words in their plain English meaning. Words with special meanings are defined here:

Business means any full or part-time employment, trade, occupation or profession.

Deductible means that amount We will subtract from any covered loss We pay. This is the amount You contribute towards any claim.

Occurrence means a loss or accident or damage or a series of losses, accidents or damages arising out of any one event to which this insurance applies occurring within the Policy Period, irrespective of the number of claims. Continuous or repeated exposure to substantially the same general conditions unless excluded is considered to be one occurrence.

Policy means this entire Chubb Policy and the Coverage Summary as provided in this document.

Policy Period means the period of cover shown in Your most recent Coverage Summary.

Coverage Summary means the most recent Coverage Summary We issued to You.

Our Representative means Jewellers Loop Pty Limited.

You and Your means the person named in the Coverage Summary and a spouse (legal or defacto) who lives with that person or a person to whom You have given the Valuable Article as a gift who is an immediate family member or who ordinarily resides with You.

We, Our and Us means Chubb Insurance Australia Limited (ABN 23 001 642 020; AFSL number 239687)

Valuable Article means the article for which a sum insured is shown in your Coverage Summary.

Valuable Article Coverage

This Policy provides You with coverage against physical loss or damage to Your Valuable Article anywhere in the world subject to the terms, conditions and exclusions stated in the Policy.

A “covered loss” is the physical loss or damage to Your Valuable Article, subject to the terms, conditions and exclusions in this Policy. Exclusions to this coverage are described in Exclusions.

Payment of a Loss

Amount of Coverage

The sum insured for Your Valuable Article is shown in Your Coverage Summary. To reduce the possibility of being underinsured, You should periodically review Your sum insured for Your Valuable Article.

For a covered loss to a Valuable Article listed in Your Coverage Summary, We will pay as follows:

Total loss
If the Valuable Article is lost or totally destroyed, We will replace the Valuable Article up to the sum insured for that Valuable Article as shown in Your Coverage Summary, less the deductible. However, if the market value of the Valuable Article immediately before the loss exceeds the sum insured for the Valuable Article, We will replace the Valuable Article for its market value immediately prior to the loss, less the deductible, up to a maximum of 125% (one hundred twenty five percent) of the sum insured for that Valuable Article and subject to a maximum increase in market value of $50,000 (fifty thousand dollars) per article. If We cannot replace the Valuable Article, We will, at Our discretion, offer You a cash payment to settle Your loss. If We offer You a cash payment to settle Your loss We will not pay more than the sum insured shown in Your Coverage Summary for the Valuable Article.

Partial loss
If the Valuable Article is partially lost or damaged, We will pay the cost to restore the Valuable Article to its condition just before the loss, less the deductible or an amount to make up the difference between its market value before and after the loss.

In the event that the sum insured stated in the Coverage Summary is less than the cost to repair the Valuable Article, We will replace the Valuable Article up to the sum insured for that Valuable Article as shown in Your Coverage Summary, less the deductible.

However, if the market value of the Valuable Article immediately before the loss exceeds the restored value, we will replace the Valuable Article to its market value immediately prior the loss, less the deductible, up to a maximum of 125% (one hundred twenty five percent) of the sum insured for that Valuable Article and subject to a maximum increase in market value of $50,000 (fifty thousand dollars) per article. At no time will we pay more than the costs to repair the Valuable Article. If we cannot replace the Valuable Article We will, at Our discretion, offer You a cash payment to settle Your loss. If We offer You a cash payment to settle Your loss we will not pay more than the sum insured shown in Your Coverage Summary for the Valuable Article.

Pairs, sets and parts
For a covered loss to part of a pair or set, or to part of a larger unit: At Our discretion and if You agree to surrender the undamaged Valuable Article(s) of the pair, set or unit to Us, We will replace the entire pair, set or unit, subject to the applicable sum insured for that pair, set or unit. If We cannot replace the Valuable Article We will, at Our discretion, offer a cash payment to settle Your loss. If the remaining pieces or parts are not surrendered, it is considered a partial loss as previously defined in ‘Partial loss’. Our payment will not exceed the sum insured shown in Your Coverage Summary.

Deductible
A deductible listed in the Coverage Summary applies to each and every covered loss.

These conditions apply to Your Policy in general. You must comply with the following conditions for cover to apply:

Recoveries

If We pay for a covered loss to a Valuable Article and We recover that Valuable Article, We agree to offer you an opportunity to buy it back. We will offer it to You at no higher an amount than We paid to You for that Valuable Article.

Salvage

When We pay for a covered loss or damage to a Valuable Article, the lost or damaged Valuable Article becomes Our property.

Maintenance

You must maintain Your Valuable Article in a good state of repair and You must repair any partial loss or damage to Your Valuable Article.

Assistance

You must provide Us with all available information.

Concealment or fraud

We do not provide cover if You or any one acting on Your behalf has concealed or misrepresented any material fact relating to this Policy before or after inception of Your Policy.

Examination under oath

We have the right to examine You under oath. We may also ask You to give Us a signed description of the circumstances surrounding a loss and Your or their interest in it, and to produce all records and documents We request and permit Us to make copies.

Application of Coverage

Coverage applies separately to each covered person. However, this provision does not increase the amount of coverage for any one occurrence.

Policy period

The effective dates of Your Policy are shown in the Coverage Summary. Those dates begin and end at 00.01am standard time at the mailing address shown.

The coverage on this Policy apply only to Occurrences that take place during the Policy Period as specified in Your Coverage Summary.

Renewals

We may offer to continue this Policy for renewal periods, at the premiums and under the Policy provisions in effect at the date of renewal. We can do this by mailing and/or emailing You a bill for the premium to Your address, along with any changes in the Policy provisions or amounts of coverage.

You may accept Our offer by paying the required premium on or before the starting date of each renewal period.

Transfer of rights

If We make a payment under this Policy, We will assume any recovery rights You have in connection with that loss, to the extent We have paid for the loss.

All of Your rights of recovery will become Our rights to the extent of any payment We make under this Policy. You will do everything necessary to secure such rights; and do nothing after a loss to prejudice such rights. However, You may waive any rights of recovery from another person or organisation for a covered loss in writing before the loss occurs.

Disclosure reminder

We would remind You that You must disclose to Us, fully and faithfully, the facts You know or ought to know prior to entering into a contract of insurance with Us or during any renewal discussions with Us. Otherwise You may not receive any benefit from Your Policy.

Assignment

You cannot transfer Your interest in this Policy to anyone else unless We agree in writing to the transfer.

Policy changes

This Policy can be changed only by a written amendment that only We can issue.

Bankruptcy or insolvency

We will meet all Our obligations under this Policy regardless of whether You, Your estate, or anyone else or his or her estate becomes bankrupt or insolvent.

Conforming to State law

If any provision of this Policy conflicts with the laws of the state You live in, this Policy is amended to conform to those laws.

Conforming to trade sanction laws

This Policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Us, Our parent company or our ultimate controlling entity from providing insurance.

Other insurance

If You are, or may be, entitled to indemnity under any other insurance Policy, when making a claim under this Policy, You must provide Us with details of that other insurance policy including the name of the insurer and the policy number.

Your duties after a loss

If You have a loss this Policy may cover, You must perform these duties:

Notification
You must immediately notify Us or Our Representative of Your loss. In case of theft, You must also notify the police or similar competent authority.

Protect the item
You must protect Your Valuable Article from further loss or damage, wherever possible.

Display the item
You must show us the damaged Valuable Article when We ask.

Proof of loss
You must submit to Us or Our Representative within 60 days after a request Your signed, sworn proof of loss providing all information and documentation requested such as the cause of loss, receipts and other similar records.

Insurable interest

We will not pay for any loss to a Valuable Article in which You do not have an insurable interest at the time of the loss. If more than one person has an insurable interest in a covered Valuable Article, We will not pay for an amount greater than Your interest, up to the amount of coverage that applies.

Abandoning Your Valuable Article

You cannot abandon any Valuable Article to Us unless We agree to accept it, or to a third party unless We agree.

Carrier and bailees

If Your Valuable Article is lost or damaged while in the custody of a carrier or bailee, You must take steps to recover Your loss from that carrier or bailee before making a claim under this Policy. This Policy will only cover You to the extent of any loss that You cannot recover from the carrier or bailee.

Legal action against Us

You agree not to bring legal action against Us unless You have first complied with all conditions of this Policy.

Non renewal

If We decline to renew all or part of this Policy, We will mail a notice of non renewal to You or Our Representative at least 14 days before the Policy end.

Your cancellation

If You have paid the Policy premium, You may cancel this Policy at any time by returning it to Us or Our Representative or notifying them in writing of the future date that the cancellation is to take effect.

Our cancellation

We may cancel this Policy or any part of it under the following conditions:

Utmost good faith
We may cancel any part of this Policy where You have failed to comply with the duty of utmost good faith.

Duty of disclosure
We may cancel any part of this Policy where You have failed to comply with the duty of disclosure at the time when the Policy was renewed.

Misrepresentation
We may cancel any part of this Policy where You made a misrepresentation to Us during the negotiations for this Policy.

Non-compliance
We may cancel any part of this Policy where You have failed to comply with a provision of this Policy.

Cancellation following non-payment of premium
If Your Policy premium is not paid when due, Your Policy will be considered void and of no effect. We will not pay any claim under Your Policy unless Your Policy premium has been paid.

Fraudulent claim
We may cancel any part of this Policy where You have made a fraudulent claim under this Policy or any other Policy of insurance (whether with us or another insurer) that provided cover during any part of the period during which this Policy of insurance provides cover.

Acts or omission
We may cancel any part of this Policy where You have failed to notify Us of any specific act or omission where such notification is required under the terms of this Policy.

Procedure

To cancel this Policy or any part of it, Chubb or Our Representative must notify You in writing. This notice may be delivered, mailed and/or emailed to You. This notice will include the date the cancellation is to take effect, which will not be earlier than 0.01 a.m. on the third business day after the notice was delivered.

Refund

In the event of cancellation by You or by Us, We will refund any unearned premium on the effective date of cancellation, or as soon as possible afterwards. The unearned premium will be computed pro rata for the unexpired term for each part of the Policy.

These exclusions apply to Your Policy. The words “caused by” mean any loss that is contributed to, made worse by, or in anyway results from that peril.

Intentional acts

We do not cover any loss caused intentionally by a person named in the Coverage Summary, that person’s spouse, a family member or a person who lives with You. We also do not cover any loss caused intentionally by a person directed by a person named in the Coverage Summary, that person’s spouse, a family member or a person who lives with You. But We do provide coverage for You or a family member who is not directly or indirectly responsible for causing the intentional loss. An intentional act is one whose consequences could have been foreseen by a reasonable person. However, this exclusion shall not apply when the loss is caused by an intentional act committed for the purpose of preventing personal injury or property damage or eliminating danger to persons or property.

Wear and Tear

We do not cover any loss caused by wear and tear, gradual deterioration, fading, rust, corrosion, bacteria, dry or wet rot, warping, insects or vermin. We do insure subsequent covered loss unless another exclusion applies.

Fungi and mould

We do not provide coverage for the presence of mould, however caused, or any loss caused by mould. But We do cover mould resulting from fire or lightning unless another exclusion applies. “Mould” means fungi, mould, mould spores, mycotoxins, and the scents and other by-products of any of these.

Inherent vice and breakdown

We do not cover any loss caused by inherent vice, latent defect or mechanical breakdown.

Acts of war

We do not cover any loss caused by war, undeclared war, civil war, insurrection, rebellion, revolution, war like acts by a military force or personnel, any action taken in hindering or defending against any of these, the destruction or seizure of property for a military purpose, or any consequences of any of these acts, regardless of any other direct or indirect cause or event, whether covered or not, contributing in any sequence to the loss. If any act that is within this exclusion involves nuclear reaction, radiation, or radioactive contamination, this Acts of war exclusion supersedes the Nuclear, biological, chemical or radiation hazard exclusion.

Nuclear, biological, chemical or radiation hazard

We do not cover any loss caused by nuclear reaction, radiation, or biological, chemical, radioactive contamination, regardless of how it was caused. We do insure subsequent covered loss due to fire resulting from a nuclear reaction unless another exclusion applies.

Business property

We do not cover any loss or damage to Business property.

Confiscation

We do not cover any loss or damage caused by the confiscation, destruction or seizure of Your Valuable Article by any government or public authority.

Misappropriation

We do not cover any loss or damage caused by the taking or other misappropriation of Your Valuable Article from You by Your spouse or by another family relative. But We do cover loss or damage caused by a domestic worker.

Cleaning and renovations

We do not cover any loss or damage caused by the process of cleaning, repairing, refinishing, dyeing, alteration, restoration or renovating.

PLD/JL PDS 11-16