Page 79 - Hollard Business Branch Policy Wording

1. 2.
3. 4. 5.
loss or damage occurring in the Republic of South Africa and Namibia;
consequen al or indirect loss or damage of any kind or descrip on whatsoever, other than loss of rent if speci cally insured;
loss or damage resul ng from total or par al cessa on of work, or the retarding or interrup on or cessa on of any process or opera on;
loss or damage occasioned by permanent or temporary dispossession resul ng from con sca on, commandeering or requisi on by any lawfully cons tuted authority;
loss or damage related to or caused by any occurrence referred to in General Excep on 1.1.2, 1.1.3, 1.1.4, 1.1.5 or 1.1.6 of this Policy or the act of any lawfully established authority in controlling, preven ng, suppressing or in any other way dealing with any such occurrence.
If the
burden of proving the contrary shall rest on the Insured.
Company alleges that, by reason of Provision 1, 2, 3, 4 or 5, loss or damage is not covered by this Sec on, the
Goods in Transit
1.7 deten on, con sca on or requisi on by customs or other o cials or authori es;
1.8 loss or damage a ributable to or as a result of overloading of the goods carrying vehicle;
1.9 seizure of the conveying vehicle and insured property as stated in the Schedule by unlawful and forcible means;
2. wear and tear or gradual deteriora on (including the gradual ac on of light or clima c or atmospheric condi ons) unless following an accident or misfortune not otherwise excluded;
3. mechanical, electronic or electrical breakdown, failure, breakage or derangement of the insured property unless following an accident or misfortune not otherwise excluded;
4. loss of or damage to:
4.1 cash, bank and currency notes, coins, credit card vouchers, bonds, coupons, stamps, nego able instruments, tle deeds, manuscripts for securi es of any kind;
4.2 property outside the Republic of South Africa, Namibia, Botswana, Lesotho, Swaziland, Zambia, Zimbabwe, Malawi and Mozambique;
4.3 property otherwise insured or which would, but for the existence of this Sec on, be insured by any other insurance except in respect of any excess beyond the amount which would have been payable under such other insurance, had the insurance under this Sec on not been e ected;
4.4 livestock, pedigreed animals and game;
5. consequen al loss of any kind, delay, loss of market, deprecia on or changes brought about by natural causes.
OPTIONAL CLAUSES AND EXTENSIONS (if stated in the Schedule to apply) Hijacking of conveying vehicle
Seizure of the insured property contained in or on the conveying vehicle, where such seizure is accompanied by unlawful and forcible removal of the conveying vehicle to a des na on other than originally intended, or accomplished by means of violence or threat of violence against the person or persons who, at the me of such seizure, are in actual lawful control of such conveyancing vehicle carrying the property;
PROVIDED THAT:
the Insured shall be liable to pay for the rst 25% (twenty ve percent) of the claim or the amount stated in the Schedule.
Riot and strike
Subject otherwise to the Terms, Condi ons, Exclusions, Excep ons and Warran es contained therein, this Sec on is extended to cover damage directly occasioned by or through or in consequence of:
1. civil commo on, labour disturbances, riot, strike or lockout;
2. the act of any lawfully established authority in controlling, preven ng, suppressing or in any other way dealing with any occurrence referred to in 1. above;
PROVIDED THAT:
this Extension does not cover:
Page | 78 Hollard Business Policy – Branch – Version 1 2018