Page 281 - Agriculture Policy Wording Binder

Householders
Veterinary expenses and medical benefit
1. We 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. We 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.
7. The Insured shall be responsible for the first 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) for each and every claim.
Wild animals (contents)
The Company will pay for loss or damage to the contents of the building(s) and outbuilding(s) stated in the Schedule caused by wild animals. Wild animals will not be regarded as vermin for the purpose of this cover;
PROVIDED THAT:
1. the Company will not pay more than R10 000 (ten thousand rand) per 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 to pay the first 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) of each and every claim.
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 279