Page 22 - Agriculture Policy Wording Binder
P. 22

 Fire-extinguishing charges
This Provision shall apply to the following Sections of this Policy:
General Exceptions, Conditions and Provisions
 If any building insured or containing the insured property becomes unoccupied for 30 (thirty) consecutive days, the insurance in respect of this Provision is suspended as regards the property affected unless the Insured, before the occurrence of any damage, obtains the written agreement of the Company to continue this Provision.
During the period of the initial unoccupancy of 30 (thirty) consecutive days, the Insured shall become a co-insurer with the Company and shall bear a proportion of any damage equal to 20% (twenty percent) of the claim before deduction of any first amount payable.
11.
Fire
Buildings Combined
Office Contents
Goods in Transit
Motor
Electronic Equipment
Livestock & Pedigree Animals (Transit only)
Fire Crop & Stack and Tobacco (Field to Floor)
Houseowners Householders
 Section
  Limit of Indemnity
  First Amount Payable
  Reasonable cost not exceeding 20% of the sum insured Reasonable cost not exceeding 20% of the sum insured Reasonable cost not exceeding 20% of the sum insured R10 000
R20 000 R10 000 R10 000
R20 000
Reasonable cost not exceeding 20% of the sum insured Reasonable cost not exceeding 20% of the sum insured
R1 000 R1 000 R1 000 R500 R500 R500 R500
R500
R1 000 R1 000
                              Any costs relating to the extinguishing or fighting of fire, shall be deemed to be damage to the insured property and shall be payable in addition to any other payment for which the Company may be liable in terms of the Section;
PROVIDED THAT:
the Insured is legally liable for such costs and the insured property was in danger from the fire.
Additional cover may be purchased under the Goods in Transit Section only, in which case the limit stated in the Schedule will be over and above the automatic cover provided.
12. Subsidence and landslip (limited cover)
This Provision shall apply to the following Sections of this Policy:
A. Fire;
B. Buildings combined;
C. Office Contents.
D. Houseowners
E. Householders
These Sections are extended to include loss of or damage to the insured property caused by subsidence or landslip of the land supporting the said insured property or heave thereof;
PROVIDED THAT:
such loss or damage is not caused by or does not arise from:
1. normal settlement, shrinkage or expansion of the land supporting the insured property;
2. alterations, additions or repairs to the building(s);
3. compaction or infill;
4. defective or faulty design, materials or workmanship;
5. excavations other than mining operations;
6. contraction and/or expansion of soil, clay or similar types or moist or damp;
7. removal or weakening of support to the insured property.
 Page | 20
Policy Wording – Agriculture – Binder – Version 2 2023



















































   20   21   22   23   24