Page 43 - Claims Binders Mandates and Guidelines

Non-motor Claims Procedures
6.13 Freezing
Damage as a result of frost to be converted into or covered up with ice becomes rigid as a result of cold. Frost: Freezing, the prevalence of temperature below the freezing point of water.
6.14 External impact, excluding impact by trees or part thereof whilst being felled or trimmed
Damage caused by striking on or against, or the collision with claimant's property.
6.15 Bursting or overflowing of geysers, water tanks or pipes, excluding damage caused to such apparatus or pipes
Damage caused to claimant's property by water as a result of the overflowing of the above. This means that the resultant water damage is specifically included in this section, even though it might be excluded elsewhere.
6.16 Escape of oil from a fixed oil heater or associated apparatus
Damage caused to a claimant's property by the oil escaping as described above.
6.17 Burglary or theft or any attempt thereat, but excluding whilst the property insured is leased, or sub- leased by you, or is occupied by any other person
6.17.1 Burglary: When someone enters a building illegally with the intent to commit a felony; robbery by burglary. Burglary is usually accompanied by force.
6.17.2 Theft: Stealing, dishonest appropriation of another’s property with intent to deprive him of it permanently. Theft usually occurs without force.
6.18 Malicious damage
Damage occasioned by active ill-will, or by the willful and wanton act of another party other than the claimant and without the knowledge and/or consent of the claimant.
6.19 Subsidence
The downward movement of a site on which buildings stand, from causes unconnected with loading from a building. Examples are underground mining and erosion due to water passing through the subsoil but excluding the compaction of ground or infill. Most policies exclude damage due to mining operations.
6.20 Landslip
Downward movement of sloping ground resulting from the action of self-weight stresses and imposed loadings exceeding the available strength of the ground. Landslip may be triggered by the application of superimposed loadings from buildings or may be induced by excavating into sloping ground with the result that material fails and moves down the slope.
6.21 Settlement (NOT COVERED)
The downward movement of the site due to the application of superimposed loadings from a building; it is the wholly natural effect of superimposing a load on a site and is predictable.
6.22 Ground heave (NOT COVERED)
Upward movement or expansion of the site due to the removal of load from it or due to actions within the site itself. An example is the rehydration of a shrinkable clay subsoil following the removal of mature trees or hedgerows.
6.23 Rise in underground water level (NOT COVERED)
When the water table rises due to a downpour of water or continuous downpour over a period, this may or may not be visible. Rising groundwater can cause resulting pressure and any damage caused by this rise in underground water or the resultant pressure is normally excluded from cover.
6.24 Accidental damage
Damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman’s terms, that usually means an unintentional one-off incident that harms your property or its contents, such as damage arising as a result of an accident, for example, paint spilt on a carpet.
Claims Binder Holders Mandates and Guidelines – V6: 2022 Page | 41