Page 49 - Agriculture Policy Wording Binder

Buildings Combined
Landscaping
The Company will pay up to R10 000 (ten thousand rand) per event towards costs reasonably and necessarily incurred by the Insured for the replacement of trees, shrubs, lawns, plants and fixed sprinkler installations situated at the grounds of the insured buildings stated in the Schedule;
PROVIDED THAT:
such loss or damage is caused by:
1. fire, explosion or as a result of firefighting operations;
2. any other emergency service operations;
3. impact by vehicles or aircraft or other aerial devices, any deliberate or malicious acts;
4. but excluding theft or attempted theft.
Mortality of horses
This Section is extended to indemnify the Insured in respect of the death of horses being used for the sole purpose of the guesthouse activities following death due to fire and lightning only up to a maximum amount of R5 000 (five thousand rand) any one occurrence.
Mortgagee
The interest of any mortgagee in the insurance under this Section shall not be prejudiced by any act or omission on the part of the mortgagor without the mortgagee's knowledge. The mortgagee shall, however, inform the Company as soon as any such act or omission comes to his knowledge and shall be responsible for any additional premium payable from the date any increased hazard shall, in terms of this clause, be assumed by the Company.
Motors and pumping equipment
The Company will pay, replace or repair for loss of or damage to fixed filtration plant, water-pumping machinery, electronic gate motors, garage door machinery or burglar alarm systems by an insured peril;
PROVIDED THAT:
1. the Company shall not be liable to pay more than R10 000 (ten thousand rand) any one event or R50 000 (fifty thousand rand) during any one insurance period;
2. the Insured shall be responsible for the first 10% (ten percent) of the claim with a minimum of R500 (five hundred rand) for each claim;
3. the
Company shall not be liable to compensate for:
3.1 automatic pool cleaners;
3.2 loss or damage as a result of wear and tear;
3.3 wear and tear;
3.4 gradual deterioration;
3.5 inherent vice and latent defects;
3.6 any loss or damage recoverable under warranty.
Municipal plans scrutiny fee
The insurance under this Section includes municipal plans scrutiny fees;
PROVIDED THAT:
the total amount recoverable under any item shall not exceed the sum insured on the property insured so affected.
Public authorities' requirements
The insurance under this Section includes such additional cost of repairing or rebuilding the damaged property incurred solely by reason of the necessity to comply with building or other regulations under, or framed in pursuance of, any act of parliament or ordinance of any provincial, municipal or other local authority;
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 47