Page 53 - Agriculture Policy Wording Binder

Buildings Combined
Guesthouses (accommodation and lodging)
In consideration of the payment of an additional premium and notwithstanding anything contained herein to the contrary the following perils in respect of Defined Events are added/amended in terms of this Section:
1. The escape of water from washing machines or dishwashers and the bursting or overflowing of water tanks, water apparatus or water pipes including damage to the water tanks, water apparatus or water pipes and the accidental leakage of oil from fixed oil-fired heating installations;
2. Accidental damage to fixed glass and mirrors against walls, in windows, doors, fanlights, skylights, solar heating systems, fixed external signs and verandas, stove glass tops, fixed wash basins, baths, pedestals, sinks, lavatory pans and splash-backs (but excluding chipping, scratching and other disfiguration) forming fixed part of the building(s);
3. Accidental loss of or damage (excluding wear and tear) to fixed swimming pool and jacuzzi machinery or borehole pumps (excluding windmills) for domestic use only, electrified gates and garage doors installed at the insured building(s) in use as guesthouse(s);
PROVIDED THAT:
the liability of the Company shall not exceed R10 000 (ten thousand rand) in respect of any one occurrence;
4. Loss or damage to stock in refrigeration and/or cooling units at the premises by deterioration or putrefication caused by:
4.1 a change in temperature resulting from:
4.1.1 failure of the unit or non-operation (from any inherent cause) of any thermostatic device controlling the plant or failure of the wiring from the main switch to ancillary switches or power plugs and between ancillary switches and power plugs and the driving motor including the failure of power plugs and switches;
4.1.2 failure of the public supply of electricity and/or gas at the terminal ends of the supply authority’s device feeders to the premises;
4.1.3 the wrongful setting of any thermostatic device including the accidental switching off of the supply controlling the plant;
4.2 the action of refrigerant fumes, which have escaped from the unit;
PROVIDED THAT:
this Extension does not cover:
1. loss or damage caused by a deliberate act by the supply authority or the exercise by any supply authority of its power to withhold or restrict the supply of electricity and/or gas;
2. more than R25 000 (twenty five thousand rand) any one event or occurrence.
3. a first amount payable of R1 000 (one thousand rand) in respect of each single claim as a result of the perils as described in 4.1 and 4.2 above;
5. Defined Event 9 in respect of Theft is amended to read as follows:
Theft (or any attempt thereat) accompanied by forcible and violent entry into or exit from such building or as a result of theft or any attempt thereat following violence or threat of violence. If any building insured or containing the insured property becomes unoccupied for 30 (thirty) consecutive days, this item is suspended as regards the property affected unless the Insured before the occurrence of damage obtains the written agreement of the Company to continue this Extension. During the period of the initial unoccupancy of 30 (thirty) days the Insured shall become a co-insurer with the Company and shall bear a rateable proportion of any damage equal to 20% (twenty percent) of the claim before deduction of any First Amount Payable. The Company’s liability is restricted to 25% (twenty five percent) of the Sum Insured and the Insured shall be responsible for the first 10% (ten percent) of claim with a minimum of R1 000 (one thousand rand) for each and every claim admitted in terms hereof.
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 51