Page 274 - Agriculture Policy Wording Binder

1. 1.1
breakage of glass or china including crockery;
1.2 damage arising from wear and tear, depreciation, mildew, rust, moth, vermin, insects, larvae, any process of cleaning, repairing, restoring or dyeing, gradual deterioration which includes the action of light, atmospheric or climatic conditions;
1.3 mechanical or electrical breakdown;
1.4 cracking or scratching (unless caused by theft, attempted theft, fire or explosion) of glassware, glass or other brittle articles other than jewellery, cameras, fixed glass or TV sets;
1.5 the cost of reproduction or repair of data or software;
1.6 loss of, or damage to mobile electronic devices such as mobile phones, portable computers, handheld devices and global positioning systems (GPS);
1.7 loss or damage caused by domestic animals;
1.8 loss or damage caused by wild animals or reptiles;
1.9 any loss claimable under another clause or section of the policy;
PROVIDED FURTHER THAT:
1. the liability of the Company is limited to the amount per item stated in the Schedule but shall not exceed R15 000 (fifteen thousand rand);
2. the Insured shall be responsible for the first 10% (ten percent) subject to a minimum of R500 (five hundred rand) in respect of each and every claim;
2. General Condition 33 – Average shall not be applicable.
Accidental death
In the event of accidental bodily injury to the Insured or a member of the Insured's family which normally resides with the Insured while in the dwelling or its grounds resulting in death as a direct result of the injury the Company will pay:
1. R7 500 (seven thousand five hundred rand) for a person 18 (eighteen) years of age and younger;
2. R15 000 (fifteen thousand rand) for a person over 18 (eighteen) and under 76 (seventy six) years of age;
PROVIDED THAT:
death occurs within 12 (twelve) months of the injury.
Audio visual equipment
This Section covers accidental loss or damage to any television set, video recorder, decoder, DVD, sound reproduction equipment, excluding computer equipment, satellite dish or aerial whilst in or on the dwelling by accidental means other than mechanical, electronic or electrical breakdown;
PROVIDED THAT:
1. the Company shall not be liable to pay more than 25% (twenty five percent) of the contents sum insured;
2. the Insured shall be responsible for the first 10% (ten percent) of the claim minimum R500 (five hundred rand) or the amount stated in the Schedule.
Credit/debit-card fraud
The company will pay for losses arising from the fraudulent use of the insured’s credit card or debit card up to R5 000 (five thousand rand) during any 12 month period of insurance.
Damage to guests’ property
The Company will cover loss or damage to household items belonging to any non-paying, temporary guests caused by an insured event in the insured dwelling or outbuilding up to R15 000 (fifteen thousand rand) per any event, excluding money and negotiable instruments, or any items insured under any other policy;
Householders
PROVIDED THAT:
the Company will not be liable in respect of:
Page | 272 Policy Wording – Agriculture – Binder – Version 2 2023