Page 257 - Agriculture Policy Wording Binder

Houseowners
PROVIDED THAT:
1. the Company shall not be liable to pay for loss or damage:
1.1 caused by, or aggravated by, wear and tear, rust, decay or gradual deterioration;
1.2 caused by cracking or splitting of the unit due to wear and tear;
1.3 as a result of faulty material or workmanship, inherent device and latent defects or faulty or defective design;
1.4 recoverable in terms of manufacturer's warranty;
1.5 loss or damage as a result of failure or deliberate withholding of supply of water or electricity or fuel;
2. the Company’s liability shall not exceed R12 500 (twelve thousand five hundred rand) any one event;
3. the Insured shall be responsible for the first 10% (ten percent) of the claim with a minimum of R1 000 (one thousand rand) for each and every claim.
Additional cover may be purchased in which case the limit stated in the Schedule will be over and above the automatic cover provided.
Specific condition
The geyser(s) must be installed in accordance with SANS specification 10254 where applicable and in accordance with the manufacturer’s specifications or any other SANS specification applicable. If the Company can demonstrate the geyser was not installed in accordance to specification the Insured shall be responsible for the first R1 500 (one thousand five hundred rand) of each claim in addition to the first amount payable as stated in provision 3 above;
8. accidental damage (only whilst the private dwelling be furnished and occupied) to sanitary-ware, fixed glass and mirrors against walls and in windows, doors, fan lights, roof windows, solar heating systems, greenhouses, conservatories and veranda’s, stove glass tops, fixed wash basins, baths, pedestals, sinks, lavatory pans, splash backs and cisterns (but excluding chipping, scratching and other disfiguration) forming part of the building up to R50 000 (fifty thousand rand), for each and every incident of such damage and the Insured shall be responsible to pay the first R1 000 (one thousand rand).
Additional cover may be purchased in which case the limit stated in the Schedule will be over and above the automatic cover provided;
9. theft (or any attempt thereat) accompanied by forcible and violent entry into or exit from such building:
9.1 including landlords fixtures and fittings in or on the building, solar heating systems detached from the building (s) at the insured premises;
9.2 if any building insured or containing the insured property becomes unoccupied for 60 (sixty) consecutive days, this item is suspended as regards the property affected unless the Insured before the occurrence of damage obtains the written agreement of the Company to continue this Extension. During the period of the initial unoccupancy of 60 (sixty) consecutive days the Insured shall become a co-insurer with the Company and shall bear a rateable proportion of any damage equal to 20% (twenty percent) of the claim before deduction of any first amount payable;
9.3 if any building insured or containing the insured property is lent, let or sub-let in whole or in part theft cover is excluded;
PROVIDED THAT:
for the purpose thereof the accommodation of paying guests, boarders or lodgers not exceeding 3 (three) in number shall not be deemed to be lending, letting or sub-letting of the building)
10. such additional perils as are stated in the Schedule to be included.
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 255