HAE HireGuard Summary of Cover
Property hired out under HAE HireGuard is covered for:- Loss or damage at any situation in the United Kingdom including whilst in transit between such situations other than by sea or air
- A limit of Liability up to £50,000 any one occurrence, no single article limit
- Full replacement value for all property up to 24 months old
EXCESS
(amount deducted from each claim) for amount of loss
Up to £500 - £25.00
£501 to £1000 - £50.00
£1001 to £2000 - £75.00
£2001 to £2500 - £100.00
£2501 to £5000 - £250.00
£5001 and over- £500.00
PRINCIPLE EXCLUSIONS
- Policy Excess
- Continuing hire charges
- Recovery costs
- Loss or damage whilst in a vehicle unless
- all doors are locked and windows/openings are securely fastened whilst unattended
- property is securely mounted or fixed to the vehicle or kept in a suitable container whilst in transit
- Loss or damage to attachments, including tyres and ancillary equipment, other than to diamond cutting wheels
- Loss or damage due to
- Cleaning and conduct of routine maintenance of the property
- Breakdown or wear and tear
- Treatment or foreign bodies
- Wilful Act
- Loss or damage due to Fraud or Dishonesty of Employees
- Consequential loss or loss of continuing hire charges
- Loss or damage in Northern Ireland resulting from riot or civil commotion
- Motor vehicles other than unlicensed or designed for use as a tool of trade
- Inventory Losses
- Legal Liability for injury to third parties or damage to their property
- Use of plant underground
- Loss by fraud or theft if security procedures have not been complied with
This is a summary of cover only and is not intended to replicate full policy terms and conditions and should not be relied on. Master copy can be viewed at the offices of HAE Insurance Services or a copy is available on request.
