Page 75 - Agriculture Policy Wording Binder

Theft
5. Property of guests (applicable to accommodation risks only)
In addition to any amount payable the Company will also pay for loss or damage to property of guests as a result of theft or attempted theft at the insured premises;
PROVIDED THAT:
1. the property is not insured otherwise;
2. property shall mean personal effects and pedal cycles;
3. the Company shall not be liable to pay more than:
3.1 R10 000 (ten thousand rand) per person, per event; or
3.2 R25 000 (twenty five thousand rand) in the aggregate any one event;
4. the Insured shall be responsible for the first R500 (five hundred rand) per person and in respect of each and every claim.
MEMORANDUM – ALL CONTENTS
The term 'all contents' includes personal effects, tools and pedal cycles the property of the Insured or any principal, partner, director or employee of the Insured in so far as such property is not otherwise insured up to R10 000 (ten thousand rand) in the case of any one person or R20 000 (twenty thousand rand) in the aggregate any event.
SPECIFIC CONDITION Burglar alarm warranty
It is a condition precedent to the liability of the Company that if a burglar alarm is installed at the insured premises,the following conditions apply:
1. the burglar alarm installed in the premises shall be fully activated whenever the premises is/are not open for normal business unless any principal, partner, director or employee is in the premises;
2. the insurance shall not cover loss of or damage to property following the use of keys, the keypad code or remote control of the burglar alarm or any duplicate thereof belonging to the Insured unless such keys, keypad code or remote control were obtained by theft.
Unless specifically stated to the contrary, all premises shall be protected by such alarm and it is further warranted that:
1. the contract for any burglar alarm services shall include services of a 24-hour armed response unit;
2. the control panel shall have an event log and the arming and disarming of the alarm shall be logged and after the occurrence of a claim the Company will be entitled to request full information of the relevant log;
3. such alarm will be maintained in proper working order but the Insured shall be deemed to have discharged their liability if they have maintained their obligations under a maintenance contract with the installation/service company of the alarm system;
PROVIDED THAT:
cover will continue to be applicable whilst the alarm system is not operative due to a failure of the public supply of electricity at the terminal ends of the supply authority's service feeders and that such failure is not due to any act or omission of the Insured.
Burglar bars and security gates
It is a condition precedent to acceptance of liability in terms of this section, that all external doors are fitted with security gates, and the opening portion of any external window must be protected by means of burglar bars unless specifically stated otherwise in the Schedule.
Protections
The Insured shall continue to use and maintain in efficient condition all protections represented, agreed or implied as being in use at the premises to prevent, hinder or detect entry or exit by thieves.
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 73