Page 268 - Agriculture Policy Wording Binder

SUB-SECTION A – CONTENTS DEFINED EVENTS
HOUSEHOLDERS
Loss of or damage to the whole or part of the contents (as defined in Definition of contents) described in the Schedule, owned by the Insured or for which they are legally responsible, including alterations by the Insured as tenants to the building and structures, by:
1. fire;
2. lightning and thunderbolt;
3. subterranean fire;
4. explosion;
5. earthquake (whether arising from mining operations or otherwise), volcanic eruption or other convulsion, but excluding loss of or damage to property in the underground workings of any mine;
6. special perils:
6.1 storm, wind, water, hail or snow but excluding damage to property:
6.1.1 arising from its undergoing any process necessarily involving the use or application of water;
6.1.2 caused by tidal wave originating from earthquake;
6.1.3 in the underground workings of any mine;
6.1.4 in the open (other than buildings, structures and equipment designed to exist or operate in the open) unless specifically insured as a separate item in the Schedule;
6.1.5 in any structure not completely roofed unless specifically insured as a separate item in the Schedule;
6.2 aircraft and other aerial devices or articles dropped therefrom;
6.3 impact by animals, trees, aerials, satellite dishes or vehicles excluding damage to such animals, trees, aerials, satellite dishes or vehicles or property in or on such vehicles;
PROVIDED THAT:
this Defined Event (special perils) does not cover:
1. wear and tear or gradual deterioration;
2. damage caused or aggravated by:
2.1 subsidence or landslip;
2.2 the Insured’s failure to take all reasonable precautions for the maintenance and safety of the property insured and for the minimization of any damage;
2.3 mildew, damp, rising damp, rust, corrosion or rot;
7. accidental damage to mirror glass, plate glass tops of stoves and furniture or fixed glass forming part of any article of furniture up to 25% (twenty five percent) of the total sum insured or R250 000 (two hundred and fifty thousand rand) whichever is the lesser.
Additional cover may be purchased in which case the limit stated in the Schedule will be over and above the automatic cover provided;
PROVIDED THAT:
the Insured shall be responsible for the first amount payable of 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) for each and every claim, or the amount stated in the Schedule.
Householders
Page | 266 Policy Wording – Agriculture – Binder – Version 2 2023