Page 45 - Personal Underwriting Mandates & Guidelines - Binder product rules & addendums - Version 1

Non-motor Claims Procedures
6.4 Explosion
Damage caused to insured property due to: sudden expansion of gas, gunpowder, bomb, boiler, etc. with loud noise owing to release of internal energy (with very violent shattering effect); sudden violent burst with a loud report, an outburst. Loss or damage by explosion of gas for domestic purposes in a building is deemed to be loss by fire.
6.5 Subterranean fire
Damage caused to insured property by fire existing, occurring, or done under the earth’s surface, underground. There was a very good example of this in the Witbank area some years ago when one of the underground coal mines caught alight. This will be covered as long as the policy does not exclude damage as a result of mining operations.
6.6 Earthquake
Damage caused to insured property by convulsion of the earth’s surface due to faults or volcanic action, a heaving of the ground, or a shaking of the earth. Most policies exclude damage due to mining operations, or have other limitations relating to mining operations.
6.7 Storm
Damage caused to insured property by violent disturbance of the atmosphere with thunder, strong wind, or heavy rain or snow or hail, a tempest, a wind just short of a hurricane; any intense meteorological phenomenon, a fall of snow, long frost.
6.8 Wind
Air in more or less rapid natural motion, breeze or gale causing damage to the insured property; a current of air usually horizontal, either natural or produced by artificial means; air in motion.
6.9 Flood
Damage to insured property as a result of the inflow of tide, river, stream, sea. Eruption of water over land, inundation, outpouring of water, torrent downpour, in great quantities; a great flow of water, deluge, a condition of abnormal flow of water.
6.10 Water
Damage caused by water in its liquid form. (Mildew, damp, wet or dry rot, or any gradually operating cause are not covered by this peril.)
6.11 Hail
Damage to insured property as a result of pellets of frozen rain falling during a shower or hailstorm.
6.12 Snow
Snow means atmospheric vapour frozen into ice crystals and falling to earth in light white flakes, or spread on it as a white layer after falling. Snow storm, heavy fall of snow especially with wind. The policy would cover damage as a result of snow or the melting of the snow.
6.13 Freezing
Damage as a result of frost, to be converted into or covered up with ice, becomes rigid as a result of cold. Frost: Freezing, prevalence of temperature below the freezing point of water.
6.14 External impact, excluding impact by trees or part thereof whilst being felled or trimmed
Damage caused by striking on or against, or the collision with insured property.
6.15 Bursting or overflowing of geysers, water tanks or pipes, excluding damage caused to such apparatus or pipes
Damage caused to insured property by water as a result of the overflowing of the above. This means that the resultant water damage is specifically included in this section, even though it might be excluded elsewhere.
Full Binder Claims Mandates and Guidelines – V3: 2019 Page | 43