Page 40 - Personal Underwriting Mandates & Guidelines - Binder product rules & addendums - Version 1

Non-motor Claims Procedures
4.10
4.11 4.12
4.13
4.14 4.15
4.16 4.17
4.18
4.19
4.20
4.21
Water
Damage caused by water in its liquid form. (Mildew, damp, wet or dry rot, or any gradually opera ng cause are not covered by this peril.)
Hail
Damage to insured property as a result of pellets of frozen rain falling in shower or hailstorm.
Snow
Snow means atmospheric vapour frozen into ice crystals and falling to earth in light white akes, or spread on it as a white layer a er falling. Snow storm, heavy fall of snow especially with wind. The policy would cover damage as a result of snow or the mel ng of the snow.
Freezing
Damage as a result of frost, to be converted into or covered up with ice, become rigid as a result of cold. Frost: Freezing, prevalence of temperature below the freezing point of water.
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.
Burs ng or over owing 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 over owing of the above. This means that the resultant water damage is speci cally included in this sec on, even though it might be excluded elsewhere.
Escape of oil from a xed oil heater or associated apparatus
Damage caused to insured property by the oil escaping as described above.
Burglary or the or any a empt thereat, but excluding whilst the property insured is let, or sub-let by you, or is occupied by any other person
4.17.1 Burglary: When someone enters a building illegally with the intent to commit a felony; robbery by burglary. Burglary is usually accompanied by force.
4.17.2 The : Stealing, dishonest appropria on of another's property with intent to deprive him of it permanently. The usually occurs without force.
Malicious damage
Damage occasioned by ac ve ill-will, or by the wilful and wanton act of another party other than the Insured and without the knowledge and/or consent of the Insured.
Subsidence
The downward movement of a site on which buildings stand, from causes unconnected with loading from a building. Examples are underground mining and erosion due to water passing through the sub-soil, but excluding the compac on of ground or in ll. Most policies exclude damage due to mining opera ons.
Landslip
Downward movement of sloping ground resul ng from the ac on of self-weight stresses and imposed loadings exceeding the available strength of the ground. Landslip may be triggered by the applica on of superimposed loadings from buildings or may be induced by excava ng into sloping ground with the result that material fails and moves down the slope.
Se lement (NOT COVERED)
The downward movement of the site due to the applica on of superimposed loadings from a building; it is the wholly natural e ect of superimposing a load on a site and is predictable.
Page | 38
Binder Claims Mandates and Guidelines – 2015/2016