Page 54 - Execuline - Classic Policy Wording

Household contents
All pay-outs limited
The pay-outs for the insured events described below are limited to the amounts specified in the LIMIT SECTION.
Accidental death
If you are under the age of 76, and you die within 12 months of sustaining an injury on your premises, we will pay you according to the limit for your age.
Accidental damage to audio-visual equipment
You are covered for accidental damage that occurs in your home to television sets, video recorders, decoders and sound- reproducing equipment.
However, this excludes damage due to mechanical, electrical or electronic breakdown.
Accidental damage to aerials and satellite dishes
You are covered for accidental damage that occurs on your premises to television aerials or satellite dishes belonging to you.
Accidental damage to glass tops
You are covered for accidental damage that occurs in your home to mirrors or sheet-glass that forms part of furniture or an appliance.
Clearing-up costs
We will pay for the cost of removing any household goods debris from your premises after a claim.
Credit/debit-card fraud
We will pay you for losses arising from the fraudulent use of your credit card or debit card during any 12-month period of insurance.
Damage to guests’ property
We will cover loss or damage to household items belonging to any non-paying, temporary guests caused by an insured event in your home. However, this does not include money and negotiable instruments, or any items insured under any other policy.
Domestic worker’s property
You are covered for loss or damage to your domestic worker’s household goods and personal property caused by an insured event in your home or any of the outbuildings.
Emergency-services expenses
We will pay for costs charged by any emergency-services provider – such as the fire brigade – for responding to an insured event.
52 HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015