Page 54 - Bay Union - Platinum Policy Wording
P. 54

Sec on 1 – Home
Op onal cover
The following cover needs to be speci cally requested by you and requires the comple on of an addi onal ques onnaire. If we agree to give the cover it will be stated in the schedule and an addi onal premium will be payable.
Subsidence, landslip or ground heave extended cover
(if stated as included in your schedule)
We will cover any damage or destruc on caused by subsidence, landslip or ground heave of the land suppor ng the buildings, outbuildings and garages including driveways, paving, swimming pools and tennis courts but excluding:
– loss or damage to boundary, retaining and garden walls, gate posts, fences, sep c or conservancy tanks, drains, paths and terraces, paving and swimming pool surroundings unless the buildings are damaged at the same  me
– damage caused as a result of the contrac on and/or expansion of ac ve soils due to the moisture or water content of such ac ve soils as is experienced in clay and other similar types of ground except where Geotechnical Engineering design precau ons have been implemented during construc on
– loss of or damage to solid  oor slabs or any other part of the home resul ng from the movement of such slabs, unless the founda ons suppor ng the external walls of the home are damaged by the same cause at the same  me
– work necessary to prevent further loss or damage due to subsidence or landslip except where appropriate design precau ons were implemented during the original construc on of the home and any subsequent addi ons thereto.
We further do not cover loss or damage caused by or arising from the following:
• • • • • • •
If you are asked
and landslip or ground heave.
The excess stated in the schedule applies to this cover.
normal se lement of a structure
the inadequate compac on of in ll or construc on
damage which existed prior to the commencement of the policy the removal or weakening of support to any home
excava ons on or under land other than mining opera ons defec ve design, materials or workmanship
altera ons, addi ons or repairs to the home.
to do so, you must prove that the loss or damage you are claiming for was caused by subsidence
Bay Union – Pla num Policy Wording – 24 October 2016

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