Page 109 - Agriculture Policy Wording Binder

Accidental Damage – Wine
SPECIFIC CONDITIONS
1. Filling of wine tanks
Wine tanks must be filled to capacity which for the purpose hereof shall mean that the tank must be filled to at least the level below the column of the upper part of the manhole of the wine tank at all times. If not filled to capacity it must be covered with a layer of sulphur dioxide (SO2). This period may not exceed 5 (five) days. All records must be kept at all times and submitted to the Company if so required.
2. Standard winemaking practices
Cover in terms of this Section of the Policy will at all times be subject to compliance and adherence to the standard winemaking, maintenance and nurturing practices and complete records and proof of compliance to such winemaking standards and nurturing practices must be kept at all times and submitted to the Company if so required.
FIRST AMOUNT PAYABLE
The Insured shall be responsible for the First Amount Payable stated hereunder in respect of each and every claim:
1.1
Item 1
Wine and related products
First Amount Payable
(a)
Leakage and/or contamination of wine and related products only as a result of accidental breakage of and/or damage to portals and accessories of wine vats and/or tanks, accidental bursting, breakage, and/or damage to or of separators and accessories of separators, wine vats and/or tanks and/or pipe connections and pipes of such wine vats and/or tanks
10% of claim minimum R2 500
(b) Accidental leakage excluding causes stated in point 1.1 (a) above and/or pumping together of wine and related products
(c) Fermentation of Sulphurated Sweet must
(d) Any other loss or damage excluding causes stated in points 1.1 (a), 1.1 (b) and 1.1 (c) above
(e) Accidental breakage of bottles and/or bottled wine and related products
(f) Accidental loss or damage due to latent defects
(a) Wine and related products (damage to surrounding property only)
(b) All other liquids and fluids as defined (Damage to property including loss of such liquids and fluids but excluding wine and related products)
CLAUSES AND EXTENSIONS Additional costs
In respect of buildings, plant and machinery insured, the sum insured includes:
10% of claim minimum R2 500 15% of claim minimum R30 000 20% of claim minimum R5 000
R500
15% of claim minimum R30 000
5% of claim minimum R1 000 10% of claim minimum R1 000
1.2
Item 2
Discharge or leakage of:
R500
1. any costs incurred, due to the necessity to comply with building or other regulations of any public authority in repair or reinstatement following an insured event;
PROVIDED THAT:
such costs do not include:
1.1 anything for which notice had been served on the Insured prior to the insured event;
1.2 anything connected with undamaged property or undamaged portions of property;
1.3 rates, taxes, duties, development and other charges payable under the said regulations due to capital appreciation of the insured property;
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 107