Page 23 - Bay Union - Prestige Policy Wording
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Sum insured will not be reduced
This point is applicable to the following sections of this policy: Household Contents, Buildings and All Risks (unspeci ed items). It states that the sum insured will not be reduced after we have compensated you for a claim. We may, however, require you to pay an additional premium for the increase of the sum insured to the original amount from the date of loss to the next renewal date.
Cover applies in RSA and neighbouring countries
The cover in this policy is valid within the territorial limits of South Africa, as well as the following countries: Botswana, Lesotho, Namibia, Swaziland, Malawi, Mozambique, Zambia and Zimbabwe. We may agree to extend the territorial limits on our terms.
Bringing damaged property back to South Africa
If you want to claim for property damaged outside of South Africa, you must  rst bring it back into the country or to the nearest border post. You have to do this at your own expense, unless we have agreed to pay.
South African law applies
This policy is subject to South African law.
Keeping within the law
If any of the terms or conditions of this policy are in breach of existing legislation, they will be amended so that they comply with the law.
How claiming affects your premium
• If you have not claimed during the 12 months before the renewal date of your policy, your premium may be reduced.
• Whenever you are paid out for a claim, you may  nd that your premium is increased.
Other points to note
Bay Union - Prestige Policy Wording - 20 June 2012 20

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