Page 265 - Agriculture Policy Wording Binder

Houseowners
Tenants
The Company’s liability to the Insured shall not be affected by any act or omission on the part of any tenant (other than the Insured) without the Insured’s knowledge. The Insured shall, however, inform the Company as soon as any such act or omission which is a contravention of any of the Terms, Exceptions or Conditions of this Section comes to their knowledge and will be responsible for any additional premium payable from the date any increased hazard shall be assumed by the Company.
Trauma counselling benefit
We will pay for professional counselling following trauma as a result of theft, attempted theft, hold-up or hijacking at the insured premises;
PROVIDED THAT:
the Liability of the Company in respect of any one occurrence shall not exceed R10 000 (ten thousand rand).
Veterinary expenses and medical benefit
1. The Company will pay for medical benefit for accidental bodily injury to any:
1.1 person, other than the insured, caused by your domestic animals owned by the insured;
1.2 guest or visitor caused by any defect in or on the insured premises;
1.3 domestic employee in the course of their employment.
2. The Company will also pay for veterinary expenses incurred as a result of accidental bodily injury to any of your domestic animals caused by a vehicle accident;
PROVIDED THAT:
the Liability of the Company in respect of any one occurrence shall not exceed R10 000 (ten thousand rand).
Water leaks/loss of water
The Company will indemnify the Insured for cost of water lost through leakage from pipes in any insured building and for which the Insured is responsible to pay;
PROVIDED THAT:
1. the Company will only indemnify the Insured for the cost of additional water consumption in the event of a quarterly meter reading of water consumption exceeding the average of the previous four quarterly meter readings by 50% (fifty percent) or more;
2. the limit of indemnity in respect of cost of lost water shall not exceed R15 000 (fifteen thousand rand) per event or R50 000 (fifty thousand rand) during any one insurance period;
3. it is a condition precedent to liability that the Insured shall, on discovery of a leak (by physical evidence or on receipt of abnormally high water reading indicated on the account), take immediate steps to identify and repair the affected leaking apparatus/pipes;
4. in addition the Company will pay for the cost of identifying water leaks on the premises up to R5 000 (five thousand rand) per event or R10 000 (ten thousand rand) during any one insurance period;
5. in addition the Company will pay the cost of filling up swimming pools or ponds following maintenance or repairs up to R5 000 (five thousand rand) per event or R10 000 (ten thousand rand) during any one insurance period;
6. the Company will not be liable to pay for:
6.1 cost towards remedial action including repairs to affected apparatus/pipes;
6.2 losses as a result of:
6.2.1 leaking taps, geysers, toilet systems, swimming pools or any other water tank;
6.2.2 any deliberate acts of the Insured;
6.2.3 taps or else left open after being used;
6.2.4 any unit left unoccupied for more than 30 (thirty) days consecutively.
Policy Wording – Agriculture – Binder – Version 2 2023
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