Page 63 - Bay Union - Platinum Policy Wording
P. 63

Sec on 2 – Contents
What is covered
○ We will cover you against loss or damage from an insured cause which happens in any of the three loca ons stated under `Where are your contents covered’ during the period of insurance, subject to the terms, condi ons, exclusions and limits stated in this policy.
○ Assets out means we will cover your personal belongings while you are out and about anywhere in the world. We will cover you up to the limit stated in the schedule for:
– jewellery and watches
– personal e ects
– photographic equipment, cell phones, laptops, and
– any property normally worn or designed to be held or carried on a person when removed from the home.
○ Contents in storage
We will cover you against loss or damage to your contents that are stored in a commercial storage facility in the
Republic of South Africa but the following condi ons apply:
– you must inform us in wri ng before you place your contents in storage
– the loss or damage must be caused by either  re, explosion, smoke, storm,  ooding, the  or a empted the , collision, impact, vandalism (deliberate destruc on) or a malicious inten onal act
– your contents are not insured against any of the above events by another insurer. The excess stated in the schedule applies to this cover.
○ Contents temporarily elsewhere means we will cover you against loss or damage to your contents while they are temporarily removed from the insured address stated in your schedule and contained in a building anywhere in the Republic of South Africa. The cover is limited to the amount stated in the schedule of the sum insured under this sec on. The  or a empted the  is to be accompanied by evidence of violent and forced entry.
The excess stated in the schedule applies to this cover.
○ Limits that apply to jewellery and watches means we will pay for loss or damage to your jewellery and watches subject to the following:
– cover will be limited to amount stated in the schedule while kept at home
– any individual items speci cally insured under Sec on 3, Assets speci ed will be paid under that sec on
– when temporarily removed from the insured address to another building, the  or a empted the  must be accompanied by evidence of violent and forced entry when the building is unoccupied. Cover will be limited to the amount stated in the schedule
Bay Union – Pla num Policy Wording – 24 October 2016 61


































































































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