Page 21 - MSTI Namibia.Personal Lines.Home Car.1June 2018 Version 3_Final

Subsidence
Damage caused by the downward movement of land resulting from natural shifts or human activity,
causing structural damage to your property.
There is no cover for damage relating to subsidence caused by the following:
• Changes in clay based soil or in rock caused by changes in the moisture levels.
• Excavations, other than mining activities.
• Removal of or weakening of pillars.
• Normal settlement, shrinkage or expansion of the soil supporting the structures.
• The poor compaction of soil used to fill areas under paving and floors.
There is no cover for additional underpinning of foundations necessary to prevent further

damage.

Acts of nature
Loss or damage caused by wind, thunder, lightning, storm, water, hail, flood or snow.

Additional municipal costs for water leakage
We will pay for the additional cost of water lost, resulting from leakage of the underground water
supply pipes on and to your property.
• If the additional charge for the latest quarter is higher than the average of the previous 2
quarterly readings by 50% or more we will pay up to N$ 5,000.00 of that additional cost.
• You have to give us prove of the leakage and the repair thereof, before any payment for
additional costs will be paid.
• You have to pay for the repair of the pipes yourself and this will not be covered by us in any
way.
• We will not pay for more than one event in any insurance year.
You have no cover for additional cost of water if your building is unoccupied for more than
60 days in a year.

Bursting of water heating systems and pressurised water pipes
Loss or damage caused by leaking, bursting or overflowing of water heating systems (which include
geysers, solar water heating systems and boilers), water supply tanks, and cisterns and pressurised
water pipes forming a permanent part of the building.

Theft
Loss or damage caused by theft and other intentional acts.
There is no cover for loss or damage caused by theft and other intentional acts:

• Unless there are visible signs of forced entry into the building;
• While the building is being let or sublet unless there are visible signs of forced entry into the
building;
• Where there are people living in the building but it is unoccupied for more than 60 consecutive
days;
• If the building is abandoned, vacant, empty or illegally occupied.
• If your schedule indicates cover option b

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