Page 51 - Bay Union - Platinum Policy Wording
P. 51

Sec on 1 – Home
○ Loss of water by leakage
We will pay for charges levied by a local authority for water lost through leakage, breakage or bursts from pipes in
your water mains system up to the limit stated in the schedule provided that:
– the consump on reading must be at least 50% more than the average of the previous four (4) readings preceding it
– you take immediate steps to repair the pipes a ected on discovery of a leak by physical evidence or on receipt of an abnormally high water account
– leaking taps, geysers, toilet systems and swimming pools are excluded
– the insured address has not been unoccupied for more than 60 consecu ve days
– we will not be liable for more than two separate incidents in a period of 12 months.
○ Mechanical or electrical breakdown
We will cover the sudden and unexpected electrical or mechanical breakdown of  xed equipment that you use solely for domes c purposes at your insured address up to the limit stated in the schedule. Refer to speci c de ni ons of this sec on for a descrip on of  xed equipment.
We do not cover loss or damage covered by any manufacturer’s guarantee, purchase agreement or service contract.
○ Power surge
We will pay for loss or damage to:
–  xed, electronic or electrical equipment that forms part of your  xtures and  t ngs of your home because of lightning up to the sum insured
–  xed, electronic or electrical equipment that forms part of your  xtures and  t ngs of your home because of electrical surge or load shedding up to the limit stated in the schedule.
The excess stated in the schedule applies to this cover.
○ Removal of fallen trees
We will upon our authorisa on pay up to the limit stated in the schedule to remove:
– fallen trees from your insured address
– trees at the insured address that are threatening to fall and cause damage to your residence, or
– trees in your garden at the insured address that are threatening to fall and cause damage to your neighbour’s residence,
provided that the cause of the tree falling is as a result of  re, lightning, explosion, storm, wind, water, hail or snow, up to the limit stated in the schedule.
Bay Union – Pla num Policy Wording – 24 October 2016 49


































































































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