Page 69 - Bay Union - Prestige Policy Wording
P. 69

HOUSEHOLD CONTENTS
Accidental damage inside your home
Your contents are covered for accidental loss or damage, whether inside your home or at your address.
Payout is limited
We will not pay more than the amount in the LIMIT SECTION.
Accidental damage does not include any of the following:
○ depreciation, or gradual causes such as wear and tear, rust, rising damp and mildew, corrosion or decay
○ damage caused by moths, vermin or insects
○ a cleaning, repairing or restoration process
○ cracking or scratching (unless caused by theft, attempted theft,  re or explosion) of glassware, glass or
other brittle articles other than jewellery, cameras,  xed glass or TV sets
○ mechanical, electrical or electronic breakdown of electronic equipment, unless otherwise stated in the
schedule
○ the cost of reproduction or repair of data or software
○ loss or damage caused by domestic animals
○ any loss claimable under another section of the policy.
Accidental damage outside your home
Your contents are covered for accidental loss or damage in South Africa and neighbouring countries (page 20)
Payout is limited
○ We will not pay more than the amount in the LIMIT SECTION.
○ Accidental damage does not include any of the following:
○ depreciation, or gradual causes such as wear and tear, deterioration, rust, rising damp and mildew,
corrosion, or decay
○ electrical or mechanical breakdown
○ damage caused by moths, vermin or insects
○ a cleaning, repairing or restoration process
○ damage as a result of con scation by any process of law
○ the cost of reproduction or repair of data or software programs
○ loss or damage to glass, glassware, porcelain or crystal (excluding jewellery, cameras,  xed glass or
television sets), unless caused by  re, theft or attempted theft
○ loss of, or damage to any mobile electronic devices such as mobile phones, portable computers, handheld
devices and global positioning systems (GPS)
○ any loss claimable under another section of the policy.
Bay Union - Prestige Policy Wording - 20 June 2012 66


































































































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