Page 277 - Agriculture Policy Wording Binder

Householders
PROVIDED THAT:
1. the Company’s liability shall not exceed R15 000 (fifteen thousand rand) in respect of any one event.
Additional cover may be purchased in which case the limit stated in the Schedule will be over and above the automatic cover provided;
2. the Insured shall be responsible for the first 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) each and every claim.
Mechanical breakdown
Not withstanding anything contained herein to the contrary this Section is extended to cover:
Accidental mechanical or electrical breakdown of any electrical equipment whilst in the buildings on the premises as described in the Schedule;
PROVIDED THAT:
the Company will not be liable in respect of
1. damage arising from wear and tear, depreciation, mildew, rust, moth, vermin, insects, larvae, any process of cleaning, dyeing, repairing or restoring, gradual deterioration which includes the action of light, atmospheric or climatic conditions;
2. scratching, abrading, denting or chipping;
3. damage arising from faulty or defective design materials or workmanship;
4. damage arising from inherent vice or latent defect;
5. damage arising from lack of maintenance;
6. damage to computers, laptops and/or data processing equipment;
7. damage to tools of any description including garden equipment and implements and automatic pool cleaning equipment;
8. damage arising through any disregard of the manufacturer’s instructions relating to the operation of any electrical equipment;
9. damage for which provision is made in terms of the guarantee or warranty issued by the manufacturers of any electrical equipment;
10. removal of any parts;
11. the negligence of the insured or the insured tampering with the appliance;
12. an unqualified person attempting to repair the appliance;
13. misuse or use other than normal use for which the appliance has been designed;
14. weather, electrical interference, fire, lightning or theft;
15. reception difficulties, unless these are a result of the malfunction itself;
PROVIDED THAT:
1. General Condition 33 – Average shall not be applicable;
2. the Liability of the Company in respect of any one occurrence shall not exceed R15 000 (fifteen thousand rand) per item.
Additional cover may be purchased in which case the limit stated in the Schedule will be over and above the automatic cover provided;
3. the Company shall not be liable for the first R500 (five hundred rand) in respect of each and every occurrence.
Mobility
In the event of bodily injury, caused by a violent act of theft, attempted theft, hold up, hijacking or fire, to the Insured or member of his family normally residing with the Insured, while in the dwelling or its ground and as a direct result of the incident permanently dependent on a wheelchair for mobility, the Company will pay the Insured for costs reasonably and necessarily incurred for:
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 275