Page 45 - Hollard Namibia – Motor & Household Policy Wording

Buildings
Additional cover you can choose
The following benefits are available and when selected by you are shown in the SCHEDULE, limited to the amount stated in the LIMIT SECTION.
Extended subsidence and landslip
You are covered for loss of or damage to the building caused by subsidence, landslip or heave of the land supporting it.
You are not covered if this is caused by:
o normal settlement, shrinkage or expansion of the building; o structural alterations, additions or repairs;
o the insufficient compaction of infill;
o defective or faulty design, materials or workmanship;
o excavations other than mining operations;
o removal or weakening of support to the building;
o contraction or expansion of clay or similar types of soil due to the moisture or water content.
In addition, we are not liable for loss or damage to septic and conservancy tanks, or drains and water courses, unless the main building is damaged at the same time by the same insured event. Any damage that existed before your policy started is not covered.
If required, you will have to prove that the loss or damage being claimed for was caused by subsidence, landslip or heave.
Mechanical and electrical breakdown
You are covered for sudden mechanical-, electronic- and electrical damage that could not have been foreseen, including power surge, to items covered by this section, such as alarm systems, air conditioners, electric fence or any other fixed equipment. For items that cannot be repaired, we will pay you based on the replacement cost of these items.
We will not pay for:
o damage to electrical accessories, such as remote controls;
o any item older than 10 years from the date of manufacture or the date of purchase if purchased new;
o any item that was installed incorrectly;
o any item used for any purpose other than what it was designed for;
o any item that was not maintained according to manufacturer specifications;
o any damage as a result of defective workmanship, -design, -installation, -specification;
o any item that was used incorrectly;
o damage due to gradual deterioration such as rust or erosion including damage from sunlight and normal
climate conditions;
o damage by vermin, insects, mildew, damp, wet or dry rot, or any other gradually operating cause; o damage due to wear and tear including excessive usage;
o damage due to repairing, restoration or cleaning of items;
o damage to electrical appliances and equipment caused by leaking batteries;
Subsidence, landslip and heave
Subsidence means sinking – i.e. the vertical, downward movement of soil. It includes settlement, which is a lateral movement.
Landslip means the sliding down of a mass of land. It is, in effect, a small landslide, and it typically occurs on a slope. Heave means the upward movement of soil supporting the dwelling.
43