Page 183 - Bay Union - Prestige Policy Wording
P. 183

WHERE TO FIND IT
WHERE TO FIND IT
MT
Malicious damage 23 Tell us of any material changes
11 31, 41 39, 44, 72, 87 20 22 87 86, 87 18 23 115, 117, 151
152 32, 56, 84, 93 7 46 101, 143, 159
114, 124, 129 24, 87, 94, 95
31, 45 31, 39 22 19
19 35 22 27
152 116
meaning 7 MOTOR SECTION  98 mountaineering 152
N
46, 52, 62, 63 40, 45 24
OU
non-standard construction normal settlement Nuclear risks
tennis courts, sauna and spa baths termites
territorial limits
theft by false pretences
theft from an unattended vehicle theft of pedal-cycles
Time limits that affect your claim Transmission and Distribution Lines Trauma Counselling
69, 73,
Observe all terms and conditions  12 Only you have rights  7
underground mining
under-insured 15, Understanding all the legal stuff
unoccupied
use
V
vehicle that does not belong to you virus or malware
W
walls, gates and fences
water, sewerage, electricity and gas connections Wear and tear
What to do if your claim is rejected
Appeal Ombudsman
What we cover you for – buildings WHAT WE DO NOT COVER
WHAT YOU CAN CLAIM FOR wilful misconduct
Window glass
Y
You  10, 14, 15, 18, 19, 22, 49, 54, 55, 56, 88, 92, 143 Your responsibilities as policyholder  9
outbuildings
31, 51
P
parachuting, skydiving  152 paths and driveways  31 Pay your premiums on time  11
Monthly premiums
Annual Premiums  11
Paying out after a claim – buildings  32 Personal Documents  72 physical disability  153 Police 16 pool safety nets  31 post-mortem 151 premium 20, 47, 54 Prevent/minimise loss or damage  10
R
racing  101, 152, 159 Reinstatement 94
reject
removal or weakening of support Repairing or replacing
repairs
replacement
replacement value
Riots, public disorder, terrorism Risk Address
rusting, corrosion
S
18, 19, 88,105 40, 67, 141 110, 121 41 ,45, 67 32, 38, 56, 83, 93, 100 14, 33, 56, 57, 84, 93 25 31 87
SASRIA
schedule
seepage, pollution or contamination  141
26, 168 6, 32, 52, 118, 125, 148, 158
South African law applies Standard construction Subsidence and landslip suicide
Sum insured will not be reduced swimming pools
20 31, 51 45, 67 151 20 29, 31, 41, 73
Bay Union - Prestige Policy Wording - 20 June 2012
180


































































































   180   181   182   183   184