Page 66 - Hollard Business Branch Policy Wording

Money
Skeleton keys
The insurance under this Sec on extends to cover loss of or damage to the property insured caused or accompanied by entry to receptacles by use of a skeleton key or other similar device (excluding a duplicate key);
PROVIDED THAT:
the Insured shall establish to the sa sfac on of the Company that a skeleton key or device was used.
SUB-SECTION B – PERSONAL ACCIDENT (assault)
The term 'de ned events' in Sub-Sec on A shall be deemed to include bodily injury, caused by accidental, violent, external and visible means as a result of the , or any a empt thereat, to the Insured or to any principal, partner, director or employee of the Insured (hereina er referred to as such person) while such person is ac ng in the course of his du es in the Insured's employ.
The Company will pay to the Insured, on behalf of such person or his estate, the sum(s) stated in the Schedule in the event of bodily injury to such person resul ng within 24 (twenty four) calendar months in respect of:
• death
R10 000 (ten thousand Rand)
• permanent disability
R10 000 (ten thousand Rand)
• medical expenses
R10 000 (ten thousand Rand)
• reasonable expenses incurred, up to the sum speci ed, shall be payable in respect of surgical, dental, nursing home or hospital treatment (including the cost of ar cial aid and prostheses and the cost and expenses incurred in emergency transporta on or freeing such person if trapped or bringing such person to a place of safety) incurred within 24 (twenty four) months of the de ned event
The Company shall not be liable to pay more than R15 000 ( een thousand Rand)
MEMORANDA (applicable to permanent disablement bene ts)
1. The Company shall not be liable to pay in respect of any one such person more than the capital sum.
2. This bene t shall not apply to any such person under 15 ( een) or over 70 (seventy) years of age.
3. A er su ering bodily injury for which bene t may be payable under this bene t, such person shall submit to medical examina on and undergo any treatment speci ed. The Company shall not be liable to make any payment unless this Provision is complied with to its sa sfac on.
4. General Excep on 2 and General Condi ons 1 and 9 do not apply to this bene t.
5. In respect of this Extension only General Excep on 1 is deleted and replaced by the following:
"This Extension does not cover death or bodily injury directly or indirectly caused by or in consequence of war, invasion, act of foreign enemy, hos li es (whether war be declared or not), civil war, mu ny, insurrec on, rebellion, revolu on or military or usurped power."
EXTENSIONS
1. Bodily injury shall be deemed to include injury caused by starva on, thirst and/or exposure to the elements directly or indirectly resul ng from such person being the vic m of the or any a empt thereat.
2. In the event of disappearance of any such person in circumstances which sa sfy the Company that he has sustained injury and that such injury has resulted in the death of such person, the Company will, for the purpose of the insurance, presume his death;
PROVIDED THAT:
if, a er the Company shall have made payment hereunder in respect of such person's presumed death, he is found to be alive, such payment shall forthwith be refunded by the Insured to the Company.
SPECIFIC EXCEPTIONS (applicable to Sub-Sec on A)
The Company shall not be liable for loss of or damage to money:
1. arising from dishonesty of any principal, partner, director or person(s) in the employ of the Insured not discovered within 14 (fourteen) working days of the occurrence thereof;
2. arising from losses or shortages due to error or omission;
Hollard Business Policy – Branch – Version 1 2018 Page | 65