Unrestricted

idirect Policy Wording

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Absa Insurance Company Limited, an insurer licensed to conduct non-life insurance business and an Authorised Financial Services Provider (FSP 8030).
Reg No 1992/001737/06. Terms and conditions apply. Absa 6830 EX (LH) (01/06/2023)
Contents Page

Section 1: Introduction 3

Section 1: Definitions 4

Section 2: General Terms and Conditions applicable to the policy 6

Section 3: General Exclusions 9

Section 4: idirect Assist 11

Section 5: Homeowners/Buildings 14

Section 6: Householders (Household contents) 19

Section 7: All Risks 22

Section 8: Motor Vehicles 23

Section 9: Boats 26

Section 10: Electronic Equipment 28

Absa Insurance Company Limited, an insurer licensed to conduct non-life insurance business and an Authorised Financial Services Provider
(FSP 8030). Reg No 1992/001737/06. Terms and conditions apply.

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Section 1
Introducing your Absa idirect policy wording
Thank you for choosing Absa idirect, a product of Absa Insurance Company Limited, for your non-life insurance needs.
Your policy is made up of:
1 A policy Schedule
This sets out the type of insurance you have bought, the amounts you are insured for, the excesses that apply and the monthly premium you
must pay.
2 Policy terms and conditions
2.1 This sets out your responsibilities, what we do and do not compensate you for and how to claim for any loss or damage you are insured for.
2.2 Definitions (key terms apply to insured peril)
• There are additional conditions specific to each insured section and are set out in those sections below.
What you have bought:
You have bought an Absa idirect non-life insurance policy and provided you have taken cover under all the sections of this policy, we will cover
your building, its fixtures and fittings, your household contents and movable items such as watches, cellphones jewellery and so forth should they
be lost or damaged anywhere in the world, as well as your motor vehicles and boats, subject to the terms and conditions detailed under the
general conditions and those specific sections.
What is your duty as the Insured:
1 You must give us true and relevant information about yourself, your property and possessions insured.
2 You must give us all relevant information about your past insurance history, relating to losses or damage that you or any member of your
household have claimed for through your Insurer or encountered in your/their personal capacity, whether you were insured at the time or not.
3 You must read and understand your policy.
4 You must comply with all the terms and conditions set out in your policy.
5 You must ensure that the sum insured is equal to the replacement value of your possessions and property. You must also ensure that your
vehicle and boat are insured for their current retail value.
6 You must conduct regular maintenance on your property, possessions and adhere to regular services intervals on your vehicles and boats,
including ensuring they remain roadworthy and seaworthy at all times.
7 You must inform us of any amendments/changes and/or renovations/updates/replacements to/of your property, possessions, vehicles and
boats. We must be notified within 14 (fourteen) days of changes on your property and prior to purchasing/taking possession of any
new/additional possessions, vehicles and boats.
8 You must ensure that the structure of your property and its permanent fixtures and fittings as well as additions/extensions comply with the
required minimum building standards applicable at the time of construction. It must be noted that should the above not be complied with, it
could affect the outcome of your claim.
When and how we will compensate you
In the event of a valid claim, we can:
• replace or repair your insured building, possession, vehicle or boat through a supplier or repairer of our choice;
• pay a portion of the claim;
• settle in cash; and
• choose to apply a combination of the above.

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Section 1 continued…
Definitions
1 The Insured, you, your and yourself refers to the policyholder, their family, domestic workers or any legal tenants residing on the property.
2 The Insurer, Company, we, us and our refers to Absa Insurance Company Limited, registration number 1992/001737/06.
3 Insured Property
The property referred to in your policy schedule to be insured. Your property includes:
3.1 Building
The immovable structures which include your residential home made of brick, stone or concrete with a slate, tiled, metal, concrete or
asbestos roof.
Buildings include:
• outbuildings used for domestic purposes, private garages, domestic employees’ quarters, outdoor structures with foundations,
guest cottages, carports, tennis and squash courts, irrespective of whether these outbuildings have inter-leading doors or are
attached to the main dwelling, including permanent fixtures and fittings (which includes fitted carpets) on the property;
• boundary and other walls, gates and non-flexible wire fences on the property; and
• paths, driveways and surface areas on the property constructed of brick, concrete, pavers, asphalt or stone (excluding gravel).
3.2 Permanent fixtures and fittings
• Fixed ornamental structures such as water features, fountains and ponds;
• jacuzzis, spa baths, saunas, swimming pools (excluding vinyl, plastic and movable swimming pools and automatic pool cleaning
equipment), domestic water pumping machinery and fixed filtration plant, domestic fixed fuel tanks, domestic borehole machinery
and solar heating panels on the property;
• fitted appliances and air conditioning systems;
• generators, solar panels and/or invertors which are permanently wired into the property’s electrical distribution board, subject to
limits stated in this document;
• instant heating systems, heating pumps and geysers;
• TV antennas and radio aerials, satellite dishes, masts and lightning conductors on the property; and
• water pipes, sewerage pipes, gas pipes, electricity and telephone connections.
4 Standard Construction
A construction built of brick, stone or concrete and roofed with slate, tiles, concrete, asbestos or corrugated iron.
5 Non-standard Construction
Any construction not described under Standard Construction above.
6 Risk Address
The physical address/place where the property/properties stated in the schedule is/are situated and are used for domestic purposes only.
7 Inception Date
The first date on which the policy incepts and the insurer accepts cover.
8 Effective Date
The date on which a policy is amended/endorsed noting changes made to the policy.
9 Period of insurance
The 12 (twelve) month period from one renewal date to the next.
10 Renewal/Anniversary Date
When a policy period expires and a new policy period begins [occurs every 12 (twelve) months].
11 Sum Insured
The amount stated in your schedule for specified covers that represents the maximum amount payable for any one claim.
12 Occurrence
Something that is happening or has already happened is an occurrence.
13 Excess
This is the first amount of each claim payable by the insured/policyholder.
14 Insured Perils
Possible event or occurrence against which insurance cover is provided.
15 Insured Event
Insured event is an occurrence as a result of an insured peril covered under the policy.
16 Mortgagee
A registered financial institution which has provided a loan on the insured property.
17 Pro Rata Premium
The premium related to the amended length of time we are on risk from the original contracted policy period.
18 Legal Tenant
An individual who resides on the insured’s property and has permission to do so.
19 Unoccupied
The insured property is furnished but is not occupied by you or your legal tenant.
20 Vacant
The insured property is unfurnished and is not occupied by you or your legal tenant.
21 Abandoned
You or your legal tenant have deserted the insured property, whether furnished or not.

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22 Commune
A group of people living together, not of the same “immediate” family (father, mother and children) having their own private living space and sharing
other common areas within a building on the insured property.
23 SANS
South African National Standards.
24 Salvage
A portion of the property that is recoverable at the time of a claim.
25 Solar System
Solar panels that make use of the sun’s rays to store/generate electricity for use on the insured property. This extends to include all water
heating systems, components and pipes linked to the system.
26 Geyser
A water heating system, including all associated components such as but not restricted to collectors, all valves, piping, element, thermostat,
draincocks, vacuum breakers and drip trays.
27 Active Soil
Soil which expands and contracts due to changes in its moisture content as seen in clay and other similar types of soil. Soil may swell
(“heave”) after rain or flood and may shrink in drought conditions.
28 Landslip
The downward or sideways movement of the site/soil on which buildings may or may not stand. The caving in or sinking of an area of land.
29 Subsidence
Subsidence is the sudden sinking or gradual downward settling of the ground's surface with little or no horizontal motion. This definition is
not restricted by the rate, magnitude or area involved in the downward movement. It may be caused by natural processes or by human
activities. Subsidence excludes the compaction of “made up ground” or infill and differential drying shrinkage beneath the building caused by
the presence of the building on the site.
30 Settlement
The downward movement of a site due to the application of superimposed loading from the building; it is the wholly natural effect of
superimposing a load on a site and is predictable.
31 Accident/Accidental
An unfortunate, unexpected and unintentional incident.
32 All risk
An accidental loss or damage to an item insured that can occur anywhere in the world.
33 Boat
A motorboat, ski boat, jet ski or wet bike consisting of a hull, engine/motor, electronics including all other fittings and accessories. This
definition is extended to include trailers used for the boat transportation.
34 Domestic Employee
The person(s) employed by yourself to clean and carry out other chores inside and outside your dwelling on your property.
35 Accidental death or bodily injury
Means death or bodily injury resulting only and directly from accidental external violent and visible means and does not include illness or
disease or any naturally occurring condition or degenerative process.
36 Territorial Limits
Countries in which we can provide insurance for property/items listed in your schedule. These countries are restricted to the Republic of
South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe.
37 Insurable Interest
An interest by the insured person in the value of the property, item or subject of insurance, including any legal or financial relationship they
might have with such property, item or subject. Normally, insurable interest is established by ownership, possession or a direct relationship
and any event or action affecting the property, item or subject of insurance would cause a financial loss or other hardship to that person.
38 Loadshedding
An event where there is a deliberate controlled shutdown of electric power in a part or parts of a power distribution system up to a maximum
of six hours at any one time, affecting different areas at different times, generally to prevent the failure of the entire system/grid when the
demand strains the capacity on the system/grid.
39 Electricity Grid Failure
The unintentional, forced interruption and/or suspension of electricity, resulting in failure to supply electricity from the national grid,
regional grid or any sub-station connected thereto, as well as any other electricity supply directly or indirectly linked to the national
electricity grid, causing the failure of electricity supply to any province, suburb, town and/or any other place. This does not relate to loss or
damage as a result of any insured perils covered in terms of this policy.

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Section 2
General Terms and Conditions applicable to the policy
1 Abandonment
During the policy period the insured property may not be abandoned by the insured/owner/tenant, as an abandoned property is not covered.
2 Automatic Inflation Margin
The sum insured will be increased on the renewal date of the policy under the Homeowners and Householders sections of your policy, in line
with the inflation indices for the past period and future estimated period of insurance. The Insured remains responsible for ensuring that the
sum insured represents the full replacement value of the insured property at all times.
3 Under Insured
Under insurance happens when the property is insured for less than the replacement value which might lead to the application of average at
the time of a claim.
4 Average
If the property sum insured represented in the schedule, is less than the actual replacement value of your property at the time of loss or damage,
you will be responsible to pay a ratable proportion of the claim. This is applicable whether the insured has suffered a total or partial loss.
Example:
Your insured property has a sum insured of R300 000. The replacement value of the building is R400 000. If your house is damaged by a
storm and the cost of the claim is R70 000, the claims settlement value will be calculated as follows:
Sum Insured multiplied by Claims value divided by Replacement value equals Settlement value.
R300 000 x R70 000 = R21 000 000 000.
R21 000 000 000/R400 000 = R52 500 less the applicable excess.
5 Cooling off period
All policies issued for a period exceeding 31 (thirty one) days are subject to a cooling off period. The insured has fourteen 14 (fourteen) days
from receipt of a new policy contract or any variation/amendment to their existing policy contract, to cancel the policy entered into or the
variation made to an existing policy. Upon cancellation, if no claims or benefits have been paid by the insurer, they will refund all premiums
collected for the new policy or the additional premium charged for the variations made to the policy.
6 Criminal activities, money laundering, terrorist financing, sanctions and prohibited business activities
Absa Insurance Company Limited (“AIC”), as part of Absa Bank Limited, must comply with national and international laws, regulations,
policies, rules and requirements to prevent criminal activities, money laundering and terrorist financing, sanctions and prohibited business
activity laws and rules violations. AIC must therefore check all information from and about you and related parties and monitor, verify,
process and screen your and related party information, instructions and transactions on an ongoing basis. AIC holds the right to cancel your
policy as noted in the applicable regulations. AIC is not responsible for any losses or damages that you may suffer because of these checks or
by Absa ending the relationship. This includes any loss of profits or savings that you would otherwise have expected to make.
7 Cancellation
We can cancel this policy by giving you 31 (thirty one) days’ notice of our intention to do so. You are not entitled to any refund of premiums if
your policy is cancelled. You can cancel this policy by giving us immediate notice.
8 Change to the Risk/Endorsements
Any changes to the risk need to be notified to the insurer within 14 (fourteen) days of those changes taking place. Should the insurer not be
notified of the changes within this period and a claim occurs prior to the insurer being notified, the relevant changes and impact of those
changes will be taken into consideration prior to settling the claim, this might also result in the claim not being entertained in its entirety and
the policy being cancelled with effect from the date of those changes.
We may endorse your policy with changes by giving you 31 (thirty one) days’ notice of our intention to do so. You may request that we endorse
your policy with changes, giving us immediate notice to do so. All endorsements will be noted on your policy schedule and sent to you.
9 Excesses
The insured will be responsible for the excess portion shown under the excess structure of the policy for each and every occurrence and/or
claim. This excess is payable separately per section or sub-section of the policy. The excess portion of a claim is the first amount payable
prior to any contribution from the insurer. The insurer will only contribute to the settlement of the claim if it is more than the minimum
excess amount.
10 Monthly premiums
We will collect your first premium and subsequent monthly premiums by debit order on the collection due date, payment cannot be accepted
by any other method. If your premium collection date falls on a Saturday, Sunday or public holiday and your banking institution does not allow
the successful transaction, we will collect the premium on the next work day thereafter. You must make sure that there are sufficient funds
in your bank account to pay your premium on the agreed date. If any debit order is not paid, you will be responsible for the related bank
charges. If your first premium or any subsequent monthly premium collection is unsuccessful, you will have a grace period of 31 (thirty one)
days to pay it. Should you instruct to your financial institution to cancel, reverse or stop your debit order at any time, it will be deemed that
you have opted to cancel your cover and the grace period will no longer be applicable and the policy will automatically cancel from the date
that the premium was due.
If your debit order is unsuccessful for any other reason than you cancelling it, we will submit a double debit for the collection of your
outstanding premium and your premium due on your next monthly collection date. If we are unable to collect the outstanding premium and
your next monthly premium due, your policy will be cancelled from the first date the outstanding premium was initially due. You are not
entitled to any refund of premiums if your policy is cancelled. If you claim during the grace period, we will not consider your claim unless you
have paid the outstanding premium before the expiry of the grace period.
11 Waiver of Rights
We will not request or encourage you in any manner to waive any of your rights or benefits presented by or in terms of any provision of the
Financial Advisory and Intermediary Services Act, 2002 (Act No 37 of 2002), General Code of Conduct for Authorised Financial Service
Providers and Representatives. Should you give up any such rights, we will not recognise, accept or act on them. Any such waiver will be null
and void.

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12 Claims procedure and requirements
Where an insured event results in or may give rise to a claim, you must:
• not make any, statement, offer, promise or payment without our permission;
• inform the police within 24 hours of any event/occurrence where applicable;
• advise us of the loss or damage within 31 (thirty one) days;
• provide us with the police case number as soon as possible, where applicable;
• provide us with a full description of the loss;
• provide us with details of any other insurance that is in place covering the same property/item related to this loss; and
• provide us with all information, documentation and requirements we may request related to the loss.
Should you wish to take legal action against us, you have a period of 180 (one hundred and eighty) days to issue legal proceedings.
If we dismiss or reject any claim:
• you have 90 (ninety) days from the date of dismissal/rejection to appeal in writing.
If your appeal is not successful:
• You have a further 180 (one hundred and eighty) days to start legal proceedings against us. If legal proceedings are not actioned within
this period, we can no longer be held liable in respect of the claim.
13 We or you may cede/transfer the rights on your policy to the mortgagee for the insured property. Your rights cannot be ceded/transferred
to anybody else other than the mortgagee. If another person suffers a loss or damage on your property, you would need to inform us of the
details of the claim and we will deal with the claim on your behalf.
14 Subrogation/Legal proceedings
We can take over any defense, settlement or any legal action in your name. We can also institute any legal proceedings in your name at our
expense to recover any amounts due to you or us. We may also choose to pay you the limit provided for in your schedule or the amount the
claim can be settled for as a full and final settlement of the claim and you would be responsible for your own defense, settlement or recovery.
15 Prevention of loss
You must take reasonable care to prevent or minimise bodily injury, loss or damage and in doing so make sure that you comply with statutory
requirements. You may make emergency repairs, if necessary, to prevent further loss or damage occurring following an insured event.
16 Privacy Notice
How we treat your personal information
We collect and process your personal information to enable us to provide you with products and services, among other things and we may
share it with:
• the Absa Group, its service providers and other third parties to comply with our regulatory obligations;
• any party to whom we assign our rights under this Agreement or any of our agreements for products and services; and
• credit bureaus where you apply for credit products.
All the personal information that we share is subject to our privacy and security requirements and we are responsible for ensuring that your
personal information is processed lawfully and in a reasonable manner that does not infringe on your privacy rights. We may make automated
decisions based on your personal information and if you are unhappy with the outcome, please contact us. We will notify you if we intend
using your personal data for other purposes.
We use your personal information to tell you about products or services that may interest you. We may contact you via SMS, email, telephone
or post. If you do not want to receive direct marketing communication, you can update your preferences via our website, Banking App or at
your nearest branch.
We will keep your personal information only for as long as the law requires us to. After this time, we will securely destroy or de-identify
this information.
You have the right to ask us for access to your personal information and to instruct us to amend and/or delete any personal information
or to object to us processing your personal information. You can also let us know if you want us to stop or to limit how we use your
personal information.
If you do not agree with how we use your personal information, you can lodge a complaint at [email protected]
You can access our Privacy Statement on absa.co.za or at your nearest Absa branch.
17 Access to premises
We must obtain access to your premises where the loss or damage occurred. You must allow us to take possession of any damaged items for
inspection to evaluate on the cost of repairs thereof. All items removed from your premises must be listed and signed for by our assessor,
investigator or supplier.
18 Approval of repairs
You must obtain approval from us prior to any repairs being carried out, we may otherwise not compensate you for the repairs carried out.
Repairs must be carried out within 1 (one) month of approval thereof, repairs scheduled to last longer than 6 (six) months must be notified to us.
19 Proof of ownership
You may be asked to provide proof of ownership or prove your insurable interest in the property claimed for.
20 Voidance
This policy can be voided/treated as not taken up from the inception date of the policy should it be discovered that there has been any form
of misrepresentation, incorrect description or non-disclosure from you or anyone acting on your behalf. All premiums collected from the
inception date of the policy or from the date the misrepresentation, incorrect description or non-disclosure occurred will be refunded to you.
21 Renewal/Anniversary Date
Your policy will be reviewed annually as per the specified date on your policy document. All sums insured, rates, claims and other relevant
factors will be considered by us at this time in proposing terms and conditions for the next 12 (twelve) month period of cover. We will issue
the policy for the next period of insurance in line with our reviewed terms. If we do not hear from you, it will be assumed that you have
agreed to the terms and conditions proposed by us.
22 Credit Risk Profile
We can ask for a credit risk profile on your portfolio from an accredited agency at any time prior to and during the period that you are insured
with us. We may also share this and other relevant information with other companies if requested.
23 South African Special Risks Insurance Association [(“Sasria“) SOC Limited]
You are able to take Sasria cover as an additional benefit on your policy. Sasria covers you for loss or damage as a result of riot, strike,
lockout, civil commotion or other similar acts that are politically motivated. This type of cover is specifically excluded under our policy and we
act on behalf of Sasria in adding this extension to your policy. All terms and conditions, including claims interpretations are agreed by Sasria.
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24 Dual Insurance Cover
Should the item/property insured be insured by more than one insurer, we will pay you for a proportionate share of the loss incurred and
refund you a proportionate share of the premium paid at the time of loss. It is your responsibility to declare any additional insurers that may
need to contribute to the loss or damage.
25 Jurisdiction
All legal matters/matters under dispute relating to this policy will be subject to South African law and heard in a South African court.
26 Territorial Limits
Cover is restricted for all applicable sections/covers/perils/extensions to loss or damage occurring in the Republic of South Africa, Botswana,
Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe.
27 ibenefit
You will be paid some of your premium back if you have not claimed.
• If you do not claim for 36 (thirty six) consecutive months from the date of inception, we will pay you back 10% of the premium you paid
for those 36 (thirty six) months.
• If you do not claim for the next 12 (twelve) consecutive months, following the initial 36 (thirty six) months of no claims, we will pay you
back 15% of the premiums you paid for those 12 (twelve) months.
• For each consecutive 12 (twelve) month period thereafter that you do not claim, we will pay you 20% of the premiums you paid in that
12 (twelve) month period.
Your ibenefit reward will be processed within 45 (forty five) days of the due date.
You will not be entitled to receive an ibenefit reward if:
• your policy is cancelled and re-issued or reinstated after it was initially being cancelled; and
• you have a claim, where after your no claim period will revert back to day one.
If an ibenefit reward is paid to you at an incorrect time, you must pay it back to us immediately at the time you or when we realise the payment
was made incorrectly.
The following claims will not affect your ibenefit no claim period, this means you can claim for the following and continue with your claim free
period that you had prior to any payments made to you for any of the following:
• Windscreen repairs under vehicle insurance (full windscreen replacements, will however affect your period of no claims).
• A claim for the following extensions of insurance under your home (“the buildings”):
• Injury to pets.
• Injury from assault at an ATM.
• Hole in one or perfect 8.
• A claim submitted for record purposes only, we must be informed that the claim is for record purposes only.

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Section 3
General Exclusions
We will not Cover:
1 Communicable Disease
1.1 This insurance policy excludes any loss, damage, liability, claim, cost or expense of whatsoever nature, directly or indirectly caused by,
contributed to by, resulting from, arising out of or in connection with a Communicable Disease or the fear or threat (whether actual or
perceived) of a Communicable Disease regardless of any other cause or event contributing concurrently or in any other sequence thereto.
1.2 Subject to any other terms, conditions and exclusions contained in this insurance policy, this policy will cover physical damage to property
where such physical damage is directly caused by or arising from any of the perils covered under the sections specified under this policy.
1.3 As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or agent from any
organism to another organism where:
1.3.1 the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof,
whether deemed living or not;
1.3.2 the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid
transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms; and
1.3.3 the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten
damage to, deterioration of, loss of value of, marketability of or loss of use of property.
2 Cyber Loss
1 This insurance policy excludes all loss, damage, liability, cost or expense of whatsoever nature directly or indirectly caused by,
contributed to by, resulting from, arising out of or in connection with:
1.1 any loss of, alteration of, damage to or a reduction in the functionality, availability or operation of a Computer System, unless
subject to point 2 hereunder.
1.2 any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any Data, including any amount
pertaining to the value of such Data.
2 Subject to the all terms, conditions and exclusions contained in this policy, this policy will cover physical damage to property where such
physical damage is directly caused by or arising from any of the perils covered under the sections specified under this policy.
Definitions
a) Computer System means any computer, hardware, software, communications system, Electronic device (including, but not limited to,
smart phone, laptop, tablet and/or wearable device), server, cloud or microcontroller including any similar system or any configuration of
the aforementioned and including any associated input, output, data storage device, networking equipment or back up facility.
b) Data means information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a form to be used,
accessed, processed, transmitted or stored by a Computer System.
1 Loss or Damage that is not sudden and unforeseen.
2 If any terms and conditions are breached, it may result in us claiming from you.
3 Loss or damage as a result of:
• intentional damage while the insured property is illegally occupied or abandoned;
• damage caused intentionally by you and any member of your household;
• intentional damage that occurs with your knowledge and permission; or
• damage where the insured property is vacant for more than 60 (sixty) consecutive days.
4 Loss or damage as a result of the insured being under the influence of alcohol, drugs or any other substance not prescribed by a registered
medical professional.
5 Loss or damage as a result of the insured driving while using drugs or any other substance prescribed by a registered medical professional
and advised by them not to drive while using the medication.
6 Loss or damage more specifically insured under a valid warranty policy.
7 Loss or damage, if any information supplied at any time is corrupt, dishonest, misrepresented, fraudulent or any combination of these. This
includes information supplied by you or anyone acting on your behalf and/or applicable to any instance that you have any knowledge of. Any
amounts already paid to you or any expenses incurred as a result thereof for such loss or damage can be recovered by us from you should any
of these be discovered.
8 Loss or Damage that is more than the amount stated in the sum insured in the schedule.
9 Loss or damage if the insured property is unoccupied for more than 60 (sixty) consecutive days or illegally occupied at any time.
10 Loss or damage directly or indirectly caused from asbestos that the insured might become liable for or suffer loss or damage in their
personal capacity.
11 Loss or Damage as a result of a lack of maintenance, cleaning and repairing
12 Loss or damage as a result of mechanical, electrical, electronic breakdown, failure or defect, unless it is a result of an accident covered under
this section.
13 Loss or damage from dyeing, bleaching, rising damp, mildew, fading or rust.
14 Loss or damage as a result of legal confiscation or detention.
15 Loss or damage caused by scratching, chipping, cracking, denting, biting and tearing by animals, vermin, insects or pests.
16 Loss or damage as a direct or indirect result of computer hardware or software failure, any failure as a result of human error, programming
error, corruption of data or computer viruses is also excluded.
17 Loss or damage as a direct or indirect result of nuclear explosion, nuclear fission, nuclear fusion, radiation, radioactivity, nuclear waste or
contamination from any other form of nuclear related activity.
18 Loss or damage related to contractual obligations or legal liability related to these or any other contracts. Any liability that would not have
otherwise existed if the contracts were not in place. Any liability accepted by agreement, that would not have existed without the agreement.
19 Loss or damage to the insured property if any illegal activities are being carried out on the insured property or should the insured property be
utilised to transact or in any way be directly or indirectly linked to any transactions of an illegal nature. We will also not accept any liability to
third parties or their property, should any illegal activities be directly or indirectly connected to the insured property. We will not cover loss or
damage as a result of any legally confiscated property.
20 Loss or damage to any property being occupied without the consent of the insured.
21 Loss or damage to the insured property being occupied and used in contravention of public policy, any municipal by laws or laws of
South Africa.
22 Loss or damage from any pre-existing incident prior to the inception of the policy.
23 Loss or damage directly or indirectly related to the initial occurrence/event, due to negligence of the insured resulting in further loss
or damage.

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24 Loss of profit, income, turnover or other earnings as a result of any loss or damage.
25 Loss or damage if the property is occupied as a commune.
26 Loss or damage caused by:
• war and warlike activities, for example invasion, acts of foreign enemies and civil war;
• any events for which a fund is established under the War Damage Insurance and Compensation Act, No 85 of 1976;
• terrorism, including the use of violence or threat of violence for political, religious, personal or ideological reasons;
• activities intended to overthrow the government or any local or tribal authority;
• military might (for example martial law, mutiny, military uprising, revolution, including protests, rebellion, civil disobedience and inciting
fear in the public);
• civil disturbances [for example riots, strikes, lockouts (whether legal or not)]; or
• the acts of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any activities
referred to in the general exclusions above.
Cover can be provided through SASRIA if chosen by the insured.
27 Loss or damage caused:
• intentionally by you or any member of your household; or
• intentionally with your knowledge and/or permission.
28 Loss or damage caused by Electricity Grid Failure
This policy does not cover any events or occurrences incurred or related in any form to Electricity Grid Failure or as a result of Electricity Grid
Failure, the below are a few examples, but any such events or occurrences are not limited to these:
i) any loss or damage directly or indirectly associated with or linked to Electricity Grid Failure;
ii) any liability whatsoever directly or indirectly associated with or linked to Electricity Grid Failure;
iii) any cost or expense directly or indirectly associated with or linked to Electricity Grid Failure; and
iv) any consequential loss directly or indirectly associated with or linked to Electricity Grid Failure.

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Section 4
Absa idirect Assist - 0861 434 732 (Accident, Roadside, Home or Legal Assistance)
The call Assistance Service call centre is available 24 hours a day, 7 (seven) days a week and 365 (three hundred and sixty five) days a year for
clients to call for Emergency Assistance for the benefits listed below:
Accident Assist
Absa idirect Assist will ensure that all aspects of a motor vehicle accident are managed and handled professionally.
In the event of an accident the following services are available:
• Conference call facility involving all relevant call centre employees, which may include a medical, legal and roadside case manager.
• The Insured’s/client’s vehicle will be towed to the insurers preferred place of repair or storage.
• Arrangements will be made to transport the member and passengers home or to their place of work, either through the towing service
provider or alternative transport.
• Arrangement of car hire, if required.
• Arrangement of medical transportation, if required.
• Emergency relay service.
• Following the accident, members have access to telephonic legal advice relating to the collision. The member may also be referred to a
specialist attorney if necessary.
• First notification of loss will be generated and sent to the member’s insurer or broker. Details on this document could include vehicle and
service provider details, as well as the location of the vehicle. Further details may be customised to the insurer’s requirements.
Roadside Assist
Absa idirect Assist will ensure that whatever happens on the road to slow you down, we’ll be there to help get you back on your way. In the event
of a roadside emergency, Absa idirect Assist can be contacted 24 hours a day to arrange for assistance.
In the event of a roadside emergency the following services are available:
Mechanical and electrical breakdown:
• A towing service is provided to tow the vehicle to the nearest place of repair (“dealer”) for safekeeping.
• An additional tow will be provided in the event of the most appropriate place of repair (“dealer”) not being open at the time of the incident.
• Vehicles will be towed and assistance offered from/or at home, but the member will not qualify for an additional tow from the place
of safekeeping.
Jump-start service:
• A service provider is dispatched to jump start the vehicle.
• The service is limited to reasonable services to mobilise the vehicle, but excludes the cost of parts, components, lubricants and
similar provisions.
• If the problem cannot be resolved the vehicle will be towed to the nearest place of safekeeping (“dealer”).
• An additional tow will be provided in the event of the most appropriate place of repair (“dealer”) not being open at the time of the incident.
• Assistance is also provided at non-roadside locations.
• New vehicle models that are still under warranty should not be jump-started; a tow truck will be dispatched to tow the stranded vehicle to
the most appropriate place of repair (“dealer”) or safekeeping.
Tyre change service:
• A service provider is dispatched to change a flat tyre, at both roadside and non-roadside locations.
• In the event of the member not having a spare tyre or the required equipment, the vehicle can be towed on a member-to-pay basis.
• Any costs for the repair of the tyre, parts and wheel balancing or similar charges are excluded.
Running out of fuel:
• 10 litres of fuel is supplied in the event of the vehicle running out of fuel – maximum two incidents per annum.
• Fuel assistance at non-roadside locations will be offered but on a member-to-pay basis.
• The member pays for the fuel.
Keys locked in the vehicle:
• A service provider is dispatched to unlock the car, the cost of the call-out fee and one hour’s labour is covered.
• The service excludes parts, components, keys or key cutting costs, lubricants or similar charges.
• If a key has broken in the ignition or vehicle door, an appropriate service provider will be dispatched.
• If the problem cannot be resolved, the cost of additional services, such as a tow-in, is for the member’s account.
• The vehicle can be towed to the nearest appropriate place of repair (“dealer”) or safekeeping if locksmiths are unable to unlock newer model
vehicles or at client’s request on a member-to-pay basis, on condition that the member settles the account with the service provider at the
time of service.
• If the vehicle operates with a “smart key”, we will arrange for it to be towed to the most appropriate dealer and pay for the costs up to a
maximum of R500.
• Should the car key be lost or stolen (not locked in the vehicle) assistance is provided on a member-to-pay basis.
Additional assistance
Should the roadside incident occur more than 100km from the member’s home, members have access to one of the following, up to a maximum of R500:
• accommodation for one night;
• arrangement of a taxi service; or
• Car Hire Assistance.
Home Drive/Taxi
Home Drive is a designated-driver service that ensures you always arrive home safely after a night out, with the added convenience of being
driven home in your own vehicle. Up to six drives are available per policy.
Take-me-Home presents an accessible, cost-effective way to party responsibly, while avoiding a motor vehicle accident as a result of drinking and
driving. The service is available within a 50km radius of city centres in Johannesburg, Pretoria, Cape Town, Durban, East London, Port Elizabeth and
George. Alternatively a taxi service can be arranged if no vehicle needs to be driven home.
Road Guard
Absa idirect Assist keeps you safe after a roadside breakdown if you are stranded in an unsafe area alongside the road, by arranging for an armed
guard to stay with you and/or the vehicle until has been towed or help has arrived.

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Car Hire
Absa Assist idirect Assist offers market-leading car hire packages and discounted “best available” rates.
Our agents will find you the best possible deal within your budget and assist you with making the booking and other travel arrangements.
Legal Assist
LegalLine offers telephonic legal assistance 24 hours a day, 7 (seven) days a week, 365 (three hundred and sixty five) days a year.
Legal counselling and legal assistance are available for members and their families, including their spouse, partner or children under the age of 18.
To protect the member’s legal rights, you have access to:
• 24-hour telephonic legal assistance through LegalLine.
• 30 minutes of face-to-face legal counselling and assistance with a legal counsellor if the matter cannot be resolved telephonically.
• Access to legal documents, such as wills, testaments, etc. and support in completing these documents and legal contracts.
• Legal advice on all matters.
• Counselling on court procedures.
• Advice on negotiations and correspondence with third parties.
• Debt relief support, including settlement negotiations, consolidations, payment extensions, blacklisting assistance or even bankruptcy.
A legal counsellor will refer you to an attorney or to an alternative dispute resolution forum when you have a legal problem that requires a court
hearing or representation.
Emergency medical assistance with guarantee of payment (limited to R20 000).
In the event of a medical emergency, Absa idirect Assist can be contacted 24 hours a day to arrange emergency medical assistance
and transportation.
Benefits:
• Access to 24-hour telephonic emergency medical assistance from medically-trained agents registered with the HPCSA.
• Immediate dispatch of emergency lifesaving medical services. This includes emergency transportation by air or road ambulance.
• Constant monitoring of the incident until the ambulance provider has delivered the member to hospital.
• Emergency pre-arrival instructions provided by agents e.g. CPR.
• One-way medical upgrade to an appropriate medical facility as continuation of the initial emergency response “same day” from the current
treating facility that is unable to care/manage the condition of the member.
• Following an accident, the member’s children are transported to a place of safety if required.
• Repatriation of member to place of residence if over 200km radius from the treating medical facility.
• Access to non-emergency medical transportation, on a member-to-pay basis.
• Payment of medical transportation costs.
Guarantee of Payment (“GOP”)
We will guarantee a financial payment up to a maximum of R 20 000 to ensure admission to a hospital or similar medical institution in the case of an
emergency, if you or any member of your immediate family residing with you are injured as a result of an unforeseen accident, resulting in injury.
Should you be part of a medical aid scheme and/or have medical gap cover in place, you will be required to refund the full R 20 000 to ourselves.
This extension and the cover provided hereunder does not extend to include any co-payment due by yourself or any member of your immediate
family that have medical aid and/or medical gap cover in place at the time of the accident/occurrence.
Cover is extended to include transportation to a medical facility and payment thereof should the occurrence be as a result of an unforeseen
accident and the incident is deemed a medical emergency by the ER24’s Chief Medical Officer.
The guarantee of payment cover can only be utilised if arranged by idirect Assist and if the member is transported by ER24. The guarantee of
payment cover is limited to one member per annum.
Nurse Line/Medical Advice Line
Absa idirect Assist nurses will be available 24 hours a day to provide general, confidential medical assistance. This is an advisory and information
service, as a telephonic conversation does not permit an accurate diagnosis. This service is inclusive of referrals to medical practitioners.
We create a critical link between you and your medical queries, ensuring that professional guidance from a qualified nurse is just a phone call away.
Benefits:
• Nurse Line is a healthcare service providing unlimited access to qualified nurses 24 hours a day, 365 (three hundred and sixty five) days a year.
• Emergency medical advice.
• Assessment of symptoms and referral to the most appropriate healthcare professional.
• Knowledge on all aspects of healthcare, including home-care remedies with scheduled follow-up assessment calls, if required.
• Explained medical terms, results of tests and information relating to medication.
• Counselling for chronic ailments and diseases to minimise the impact of these conditions on daily life.
Services:
• Supporting the individual after the traumatic experience and facilitating post-traumatic growth.
• Physical well-being, with a focus on diet, exercise and sleep, such as during pregnancy, caring for children and the elderly.
• Medical well-being, with a focus on medical symptoms (headaches, stomach pains, etc.) and their causes and advice on home-care treatment
or when to contact a health professional or facility.
• Chronic condition support, helping individuals to understand their condition and the lifestyle changes require to live optimally with their illness.
• Chronic conditions may include, but are not limited to: diabetes, HIV/Aids, chronic respiratory illness, cancer and coronary heart disease.
• All calls are responded to by a team of accredited, multi-disciplinary and multi-lingual health and wellbeing professionals (psychologists,
social workers, registered nurses, biokineticists and dieticians).
• 24/7 access to telephonic health and well-being information, advice and self-help tools.
Medical Referral (For emergency medical assistance required resulting from an insured event)
A Discounted Medical Network facilitates accessible and affordable medical services, particularly for those on a limited medical savings plan option.
This product offers discounted consultations with a network of dedicated private medical practitioners, including general practitioners, dentists
and optometrists, situated in urban and rural areas throughout South Africa.
Home Assist
Absa idirect Assist is there for all home emergencies 24/7/365. We will assist you to find a tradesman when you need one – we know best when it
comes to home emergencies.
Home Assist is a 24-hour helpline providing assistance for emergency household repairs that could result in consequential damage. It may also
refer to a situation where a client has no access to essential services such as electricity, hot water or sanitation.

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Benefits:
• Service providers are dispatched according to the need: electricians, plumbers, locksmiths, glaziers or an appliance repairman if an essential
appliance needs to be repaired.
• The service provides for three incidents per calendar year or per year from policy inception.
• This cost covered includes the call-out fee and the first hour of labour, but excludes costs related to parts.
• Assistance will be provided in the event of non-emergency repairs; the member will then be liable for costs and must settle directly with the
service provider at the time of repair.
• Customised claims management, reporting and support.
• Absa idirect Assist has a national accredited panel of reliable repairers and will enforce workmanship warranties where possible.
Electrical repairs include:
• Distribution boards, circuits and main cables.
• Earth leakage relays.
• Geyser connections, thermostats and elements.
• Plug points causing power failures.
• General house wiring.
• Light-fittings or switches causing power failures.
• Lightning strikes on wiring.
• Burnt connections.
• Connections to all electrical motors e.g., electric gate motor.
• Municipal connections inside the property.
Plumbing repairs include:
• Visible burst water connections and pipes.
• Municipal connections inside the property.
• Blocked drains, toilets, baths and sinks.
• Geyser overflow valves (lacto and pressure release).
Locksmith repairs include:
When keys to the main entrance or exit to the house have broken off in the lock or if the keys have been lost.
Appliance repairs include:
• Fridges.
• Freezers.
• Washing machines.
• Stoves (only if complete function is lost – if one or more plates are working it is not deemed to be an emergency repair).

Terms and conditions

Electrical repairs exclude:
• Electric gates and doors.
• Jacuzzi, swimming pool or borehole pumps.
• Air conditioners and commercial refrigeration.
• Repairs not complying with regulated specifications such as SABS and others.
• Geyser solar panels.
Plumbing repairs exclude:
• Jacuzzis, swimming pools or boreholes.
• Leak detection inspection.
• Repairs not complying with regulated specifications such as SABS or others.
Locksmith repairs exclude:
• Burglary incidents.
• Outbuildings.
• Padlocks.
• Safes.
Appliance repairs exclude:
• Damages to cosmetic parts (parts not influencing the operation of the appliance).
• Repairs to items damaged due to theft, rust, fire or ordinary wear and tear.
• All appliances not listed above.
General terms and conditions
• Incidents not attended to on the instruction of a case manager will not be considered after any repair.
• Emergency repairs outside of the domestic dwelling are not included i.e., office premises, public buildings or outbuildings not attached to the
main building etc.
• A repair incident is considered per service category, e.g. if an electrician is called out to repair a fault on the distribution board, as well as an
electrical connection, this is treated as one call out.
• If an appliance is still under warranty, it will be referred to the manufacturer for repair.
• The benefit period is 1 (one) calendar year and the benefit does not accumulate, but is a maximum amount per incident.
Service guarantees vary and will be stated on the service provider’s invoice.
Home Security Services
Absa idirect Assist needs to ensure that you feel safe, especially after a break-in or forced entry onto your property. Where access to a property is
not secure, Absa idirect Assist will arrange for an armed guard to be stationed at the property for a maximum of 12 hours or until the property is
secured, whichever occurs first. Alternatively an armed guard will be stationed on the road to safeguard the area until help has arrived.
Benefits:
• Absa idirect Assist will facilitate the provision of a security guard if the property is damaged because of a break-in or forced entry onto a property.
• The guard will be available for up to a maximum of 12 hours or until the property has been secured, whichever occurs first. This service is only
available in metropolitan areas.

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Section 5
Homeowners/Buildings
If the insured suffers a loss or damage to the insured property as a result of an insured peril, we will repair the existing building or replace it with a
similar building on the insured’s property, up to the sum insured stated in the policy using one of our approved service providers. Our service
providers will attempt to match the insured’s existing materials, but the insurer will not be responsible for additional costs incurred as a result of
them not meeting your requirements. We may also choose and agree with yourself to pay cash-in-lieu for the damaged property, all salvage
becomes the property of the insurer.
If loss or damage as a result of an insured event occurs, the insurer or any person authorised by them:
i) may enter the property to assess the loss or damage;
ii) may take possession of the damaged item claimed for or request that it be delivered to a premises, as agreed between you and us; and
iii) may request your assistance before or after the settlement of the claim, to enable us to proceed against any third party.
If you or anyone acting on your behalf does not provide the assistance related to any aspect of the claim, it will be reassessed and we will take the
necessary actions required to recover all payments made.
Insured Perils
1 We will cover you for loss or damage to the insured property or building as a result of:
Fire, explosion, lightning, thunderbolt, storm, wind, water, flood, hail or snow.
What we will not cover you for in respect of this insured peril:
• Loss or damage to property in the open unless the property is designed to exist or operate in the open.
• Loss or damage from a rise in the water table not directly related to any of these perils.
• Loss or damage that is not sudden and unforeseen.
• Loss or damage as a result of lack of servicing, maintenance, cleaning, repairing, gradual deterioration or wear and tear.
• Scorching as a result of smoking, using an iron, heater or any other object that emits heat and causes loss or damage.
• Loss or damage caused by the contraction or expansion of soil due to its moisture or water content, as experienced in clay and similar
soil types.
2 We will cover you for loss or damage to the insured property or building as a result of:
• Earthquake or earth tremor arising from any mining operations.
3 We will cover you for loss or damage to the insured property or building as a result of:
• Bursting, leaking or overflowing of geysers, cisterns, baths or fixed water tanks, fire extinguishing installation/appliance and other
apparatus forming part of the buildings.
What we will not cover you for in respect of this insured peril:
• Loss or damage that is not sudden and unforeseen.
• Loss or damage as a result of lack of servicing, maintenance, cleaning, repairing, gradual deterioration or wear and tear.
4 We will cover you for loss or damage to the insured property or building as a result of:
• Leakage of oil from a fixed oil-fired heating installation or apparatus connected to that.
What we will not cover you for in respect of this insured peril:
• Loss or damage that is not sudden and unforeseen.
• Loss or damage as a result of lack of servicing, maintenance, cleaning, repairing, gradual deterioration or wear and tear.
5 We will cover you for loss or damage to the insured property or building as a result of:
Impact damage caused by:
• aircraft or any object dropped from them;
• a vehicle crashing into the building;
• falling trees, excluding trees intentionally felled;
• objects that are beyond the insured’s control and not the responsibility of the insured; and
• breaking or collapse of TV antennas or radio aerials, satellite dishes, masts and lightning conductors.
What we will not cover you for in respect of this insured peril:
• Aerial devices which you are in control of, such as drones, which may cause damage to your property.
6 We will cover you for loss or damage to the insured property or building as a result of:
• Theft or any attempted theft accompanied by forcible/violent entry into or exit from the building.
What we will not cover you for in respect of this insured peril:
• If the premises are unoccupied or vacant for longer than 60 (sixty) consecutive days or if illegally occupied at any time.
• Loss or damage to any property occupied without the consent of the insured.
• Loss or damage to the insured property occupied and used in contravention of public policy, any municipal by laws or laws of
South Africa.
7 We will cover you for loss or damage to the insured property or building as a result of:
• Subsidence and/or Landslip.
• Excavations performed in the course of mining operations.
What we will not cover you for in respect of this insured peril:
• existing damage already present at the start of the policy;
• damage as a result of shrinkage, expansion, inadequate compaction, defective design, defective materials, defective workmanship;
• damage from excavations, alterations or repairs, faulty construction, removal or weakening of supports; and
• damage by contraction or expansion of soil due to its moisture or water content or by compaction of infill.
8 We will cover you for loss or damage to the insured property or building as a result of:
• Any resultant damage caused as a result of preventive measures undertaken by the insured, third parties or authorities to circumvent
further loss or damage occurring from an insured event, subject to a maximum limit of (R100 000) per occurrence/event/claim.
What we will not cover you for in respect of this insured peril:
• Any amount exceeding R100 000 per occurrence/event/claim.

14
9 We will cover you for loss or damage as a result of:
• The malicious act of any person or vandalism by any person not living in the buildings.
We will not cover you in respect of this peril for:
• intentional damage while the insured property is illegally occupied or abandoned;
• damage caused intentionally by you and any member of your household;
• intentional damage that occurs with your knowledge and permission; or
• damage where the insured property is vacant for more than 60 (sixty) consecutive days.
10 Cover is restricted for applicable covers/perils/extensions under this section to loss or damage occurring in The Republic of South Africa,
Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe.
11 We will cover you for any further loss or damage to the insured property or building initiated by an insured peril as a result of fire brigade
costs for which we will compensate you for reasonable costs incurred, resulting from authorities attempting to extinguish a fire to prevent or
reduce further loss or damage to your property or building.
What we will not cover you for in respect of this insured peril:
• Any fire as a result of arson intentionally caused by the insured, any member of the insureds family or their domestic help.
12 We will cover you for any further loss or damage to the insured property or building initiated by an insured peril resulting in:
• Additional fees for which following loss or damage as a result of an insured event, we will pay up to a maximum of 10% of the
homeowners sum insured to demolish the whole or any part of the building and for costs related to the undermentioned:
1 rubble removal;
2 erecting temporary hoardings or structures for building operations; and
3 payment for architect, quantity surveyor, consulting engineer or local authority fees and/or pay for examination of the plans by
municipal and other authorities.
What we will not cover you for in respect of this insured peril:
• If it is not a valid claim or we reject the claim.
13 We will cover you for loss or damage to the insured property or building as a result of:
Geyser and Solar system
a) We will pay for the replacement of a fitted geyser that bursts or leaks and parts as listed hereunder should it fall outside the
manufacturer’s warranty period.
b) If replacement thereof is undertaken by a non-approved service provider, we will refund you in line with rates provided by our approved
service providers.
c) We will also cover loss or damage to safety valves, drain-cocks, elements, thermostats, gaskets, pressure reducing valves, relief valves,
vacuum breakers, dedicated shut-off valves and non-return valves.
d) Failures to these parts caused by pets, insects, vermin, animals and as a result of wear and tear are also covered.
e) We reserve the right to check and approve all repairs/replacements not carried out by our approved service providers.
What we will not cover you for in respect of this insured peril:
Electrical failure or any resultant damage caused from defective wiring, defective connections to circuit breakers, isolator switches, ripple
relays, power saving devices or power supply to the geyser.
14 We will cover you for loss or damage to the insured property or building during construction or alterations for a maximum amount not
exceeding 25% of the homeowner’s sum insured. You must advise us within 31 (thirty one) days of alterations and improvements. You may
be required to pay an additional premium. Loss or damage must be caused by the insured perils covered under this section of the policy. This
includes cover for building materials, fixtures and fittings that you own or for which you are responsible.
We will not cover you in respect of this insured peril:
• for damage to gates, fences and retaining walls;
• where acts of nature either cause or contribute to the damage of unroofed or partially roofed structures;
• for stolen building materials and unfitted fixtures and fittings when the building is unoccupied, vacant or abandoned;
• if the building is occupied, theft cover is excluded if there are no visible signs of forced and violent entry to the premises;
• for glass and sanitary ware that are accidentally damaged; and
• for personal legal liability related to or as a result of, the construction or alterations to the building.
15 We will cover you for loss or damage to the insured property or building as a result of:
• Accidental damage to public supply or mains connections
• We will compensate you for accidental damage to water, sewerage, gas, electricity and telephone connections for which you are legally
liable between the insured building and the public supply or mains connection.
All other accidental damage:
1 Damage accidentally caused to your property as specified in the policy schedule. We will not be liable for more than
R100 000 for any one occurrence.
2 While the building is furnished and occupied we will compensate you for accidental breakage of:
Breakage of glass, mirror glass, fixed sanitaryware, fanlights, skylights, glass stoves, glass oven doors, greenhouses,
conservatories and glass verandas, fixed wash basins, pedestals, sinks, lavatory pans, Splash-backs and cisterns.
We will not cover you in respect of this insured peril for:
• Denting, chipping, scratching, discoloration and other disfiguration.
16 We will cover you for loss or damage to the insured property or building as a result of:
Water Pipes
• Pressurised hot and cold water pipes or any resultant damage as a result thereof.
• We will pay for the repair or replacement to water pipes as a result of a sudden and unforeseen failure to the pipe, resulting in it leaking
or bursting.
• The detection and repair must be conducted by an approved qualified service provider.
For concealed water pipes located within the structure of the building and are not visible, the insurer will cover one occurrence as a result of
failure due to rust, corrosion, gradual deterioration, wear and tear, where after these claims will be excluded.

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 Water pipes referred to above is any pipe that carries water from the municipal mains to anywhere on the insured property.
What we will not cover:
• Loss or damage to water pipes that are not concealed, as a result of failure due to rust, corrosion, gradual deterioration and/or wear
and tear.
• All pipes that carry water, sewerage and any other substance from anywhere on the insured’s property for the purposes of draining. Any
resultant damage that they might cause, are also excluded from all forms of cover provided for under this policy.
• All pipes for swimming pools, Jacuzzis, septic tanks, fish tanks, ponds or irrigation systems.
17 We will cover loss of water by leakage
Where you are responsible for the costs, we will compensate you up to a maximum of R2 000 for the cost of lost water through accidental
leakage from pipes which are on your premises or in your buildings. This does not include leakage from taps, geysers, toilet systems or
swimming pools. Costs for the repair or replacement of pipes is not covered under this extension.
We will not cover:
• more than two separate incidents in a period of 12 (twelve) months; or
• losses while the property is unoccupied for a period in excess of 30 (thirty) days.
• This extension if claimed under the householders section.
18 We will cover removal of Fallen Trees
• We will pay up to a maximum of R5 000 in any one period of insurance, for the removal of fallen trees occurring as a result of an insured
peril/event.
19 We will cover damage to Gardens
We will pay up to a maximum of R5 000 in any one period of insurance, for damage to gardens occurring as a direct or indirect result of an
insured peril/event.
20 We will cover public authority requirements:
• We will pay costs necessarily incurred for repairing or rebuilding following loss of or damage as a result of an insured peril to the
building in accordance with public authority requirements, excluding costs relating to defective workmanship, design, plans or
specifications.
• All reasonable steps must be taken to comply with “public authority requirements” relating to the maintenance and safety of the
insured property.
• All reasonable steps must be taken to comply with statutory requirements to prevent and/or minimise the loss or damage, bodily injury
or any accidents that might occur on the insured’s property.
21 We will cover loss of rent/rental value
We will pay:
• For the loss of rent suffered by the insured due to a legal tenant needing to vacate the insured’s property/building upon it becoming
uninhabitable as a result of an insured event occurring at and damaging the insured’s property/building.
• The rent for unfurnished alternative accommodation for you and members of your household, as agreed with the company, if a loss or
damage occurs at your primary residence, as a result of an insured event.
• The maximum amount payable is for 12 (twelve) months or 25% of the sum insured, whichever occurs first.
22 We will cover security guard protection fees
We will pay a maximum of R3 000 for guards to protect your property after the occurrence of an insured event.
23 We will cover power surge
We will pay a maximum of R10 000 for damage to your property for any one occurrence as a result of power surge, cover is restricted to one
claim per 12 (twelve) month period of insurance (one renewal date to the next) with a flat excess of R1 000.
A power surge claim may be caused by Loadshedding as per the definition under your general section of this policy.
24 We will cover you for Legal tenants
If a Legal Tenant does anything that could invalidate the policy without your knowledge, cover provided will not be affected. This is subject to
you notifying us immediately upon you becoming aware of the change and paying any additional premium due as a result the changes.
25 Personal Legal Liability
We will cover the insured for legal liability at a property they reside at, up to a maximum of R5 000 000 or the sum insured stated in your
schedule for any one occurrence if you become legally liable for:
i) Bodily injury or accidental death of any person occurring on your property.
ii) Damage to property belonging to any person.
iii) Costs and expenses which may be recoverable from you by a claimant, provided these costs and expenses were incurred before the offer
of a settlement was made to the claimant.
iv) Costs and expenses incurred by you with our consent.
v) Wrongful arrest
We will compensate you for any amount you are legally liable to pay to a claimant in respect of wrongful or alleged wrongful arrest by you
as a result of your activities as a member of a neighbourhood watch or block watch group or similar voluntary non-profit organisation
other than:
• a person under a contract of service or apprenticeship with you; or
• a member of your family or household.
The amount payable for all compensation and all costs and expenses for this extension will not exceed R50 000 in respect of all death,
injury, illness, loss or damage sustained during any one period of insurance.
Liability losses subject to the above will only be payable for loss or damage occurring within the boundaries constituted as the Republic of
South Africa.
We will not cover you for:
• Any loss or damage suffered by yourself, any member of your family, household or anyone working with or for you on your property.
• Liability related to your profession or any business activity.
• Liability related to any contractual agreement.
• Liability related to disease, injury or death, not directly linked to an incident or event that the insured is liable for.
• Liability for a property you do not own and have not agreed with us to insure.
• A claim under this extension, if a claim has been submitted under the liability extension of the householders section.

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26 Accidental Death Benefit
We will pay the Insured’s spouse R12 500 upon presentation of the insured’s death certificate, payment to anyone other than the insured’s
spouse is excluded, payment is provided that:
• The accident occurs on the insured’s property.
• Death is as a result of accidental bodily injury.
• Death occurs within a year from the date of the accident resulting in injury.
• We are notified of the accident within 120 (one hundred and twenty) days of the injury occurrence date.
• The insured is older than 16 years of age.
We will not cover you for death resulting from:
• Suicide, attempted suicide or intentional self-injury.
• An accident occurring while the insured is under the influence of alcohol or any drug not prescribed by a registered medical practitioner.
• Flying or any form of airborne aerial activity except while travelling as a fare paying passenger on a recognisable airline.
• War, invasion or act of foreign enemy, hostility (whether war is declared or not) terrorism, civil war, rebellion, revolution, insurrection or
military or usurped power.
We will not pay you:
• If the policy is in the name of a deceased estate, a trust, a company, close corporation or any other juristic person named in the policy
schedule or in the event of joint ownership with the first deceased.
27 We will cover buildings under construction or alteration
We will cover you for loss or damage to the insured property during construction or alterations caused by insured perils listed above. This
includes cover for building materials, fixtures and fittings that you own or for which you are responsible.
What we will not cover you for in respect of these insured perils:
• for damage to gates, fences and retaining walls;
• where acts of nature either cause or contribute to the damage of unroofed or partially roofed structures;
• for stolen building materials and unfitted fixtures and fittings when the building is unoccupied, vacant or abandoned. If the building is
occupied, building materials and unfitted fixtures and fittings are covered for theft if they are stored on the premises and there are
visible signs of forced and violent entry into or exit from the premises;
• for glass and sanitary ware items that are accidentally damaged; and
• for personal legal liability.
28 If Sasria cover is chosen as additional cover they will cover:
loss or damage as a result of a Sasria related incident/event/occurrence as described under point 24 of the General Terms and Conditions
section as above, up to:
• A maximum amount of the sum insured specified per section.
• A maximum of R100 000 per extension or the amount stated under each extension, whichever is the lesser and a cumulative maximum
of R250 000 for all extensions combined.
Sasria will not cover the following extensions as above:
• subsidence and/or Landslip;
• impact damage caused by;
• aircraft or any object dropped from them;
• falling trees, excluding trees intentionally felled;
• all forms of Accidental damage cover;
• removal of Fallen Trees;
• Power Surge;
• Water Pipes; or
• the loss of water by leakage.
Exclusions
We will not cover you under this house owners/buildings section for:
• Loss of or damage to:
• Wooden or flexible wire fences unless as a result of impact damage. Planted hedges, soil, vinyl or plastic pools or any accessories
for pools.
• Any structures required to be and are not supported by a foundation as per SANS requirements.
• All shade, canvas or similar material type netting.
• Gravel driveways or earthen non-bonded structures.
• Dam walls, piers, jetties, bridges, culverts and drains.
• Theft, unless accompanied by forcible or violent entry or exit to or from the building.
• Loss or damage for the cost of refilling your swimming pool.
• Loss or damage as a result of defects in design, alterations, repairs or construction and do not meet SANS standards.
• Loss or damage resulting from roots or weeds.
• Loss or damage to any property occupied by a/the purchaser of the property prior to payment being processed or ownership being
transferred. This exclusion will not be applicable should the insured have a signed occupational rent agreement in place with the purchaser of
the property.
• Scorching of immovable property as a result of negligence while smoking, using an iron, heater or any other object that emits heat and
causes loss or damage.
• Loss of or damage to Septic Tanks, including any pipes connected to or leading to or from the Septic Tank.
• Loss or damage for Electricity Grid Failure.

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Specific conditions
Bank valuation or assessments
• If your property has been assessed and valued by a representative of/or on behalf of the bank, it remains your responsibility to ensure that
your building is insured for the correct replacement value. Should the property not be insured for the correct replacement value, you will be
responsible for a proportionate share of a claim relative to the understated sum insured.
• The assessment does not guarantee that the insured property is free of defects or that the buildings are built according to National Building
Regulations or the insured property is adequately insured.
The following costs need to be considered and added to the property sum insured:
• local authorities’ fees;
• demolition charges, removal of rubble from the risk address;
• safeguarding of the risk address;
• costs to put up temporary hoardings or structures; and
• professional fees, i.e. for architects’, quantity surveyors’ and consulting engineers’ fees.
Noting of interest
• The interest of the mortgagee will be noted on your policy schedule for the amount of your loan with them. In the event of a total loss and a
cash-in-lieu payment being agreed, the outstanding loan amount will be settled with the mortgagee, prior to paying you the difference
between the claim settlement amount and the outstanding mortgagee amount.
• If any loss or damage claimed for by you, is rejected by us, for whatever reason, it will be your responsibility to prove that our decision was
incorrect and the claim should be paid in line with the policy wording.
The insured’s rights on this policy are automatically ceded to the first registered mortgagee. Should the property not be subject to a mortgage
agreement, no rights on this policy may be transferred to any other party unless agreed with the Insurer and Insured.

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Section 6
Householders (Household contents)
Conditions
• We may replace, repair or pay cash-in-lieu in respect of the insured property or apply any combination of these. Payments or replacements
will be based on current replacement value. Any damaged property will become the property of the insurer once a replacement or payment
is concluded.
• If it is a condition of insurance that an alarm system is installed, theft will be excluded unless it is installed, linked to an armed response alarm
company, maintained in a working condition and activated whenever the insured is away from the residence on which the building is located.
1 We will cover you for loss or damage as a result of:
• Fire, explosion, lightning, thunderbolt, storm, wind, water, hail or snow, flood but excluding a rise in the underground water table or loss
or damage from pressure caused by the rise in the underground water table, this exclusion is not applicable if the rise in the water is a
direct result of the flood resulting from any insured peril.
• A power surge claim caused by Loadshedding as per the definition under your general section of this policy.
• Earthquake or earth tremor arising from any mining operations impact by aircraft and other aerial devices or articles dropped therefrom.
• Impact by any road vehicle, animal, falling tree, including those cut down by a professional tree feller, collapsing of TV or radio aerials,
satellite dishes, masts or lightning conductors.
• Excluding loss or damage from trees intentionally felled by the insured or somebody not certified and assigned to do so on
their behalf.
• Bursting, leaking or overflowing of geysers, pipes, domestic appliances, cisterns, baths or fixed water tanks, fire extinguishing
installation/appliance and other apparatus forming part of the buildings.
• The malicious act of any person or vandalism by any person not living in the buildings.
We will not cover you in respect of these perils for:
• intentional damage while the insured property is illegally occupied or abandoned;
• damage caused intentionally by you and any member of your household;
• intentional damage that occurs with your knowledge and permission; and
• damage where the insured property is vacant for more than 60 (sixty) consecutive days.
2 We will cover you for:
• The escape of water or oil from a defective water or oil-fired heating installation forming part of the buildings.
• Theft or any attempted theft accompanied by actual visible forcible and/or violent breaking into or out of the building.
3 We will cover you for:
• Loss of water by leakage
Where you are responsible for the costs, we will compensate you up to a maximum of R2 000 for the cost of lost water through
accidental leakage from pipes which are on your premises or in your buildings. This does not include leakage from taps, geysers, toilet
systems or swimming pools. Costs for the repair or replacement of pipes is not covered under this extension.
We will not cover:
• more than two separate incidents in a period of 12 (twelve) months;
• losses while the property is unoccupied for a period in excess of 30 (thirty) days; and
• this extension, if claimed under the homeowners section.
Extensions
1 We will cover power surge.
We will pay a maximum of R10 000 for damage to your household contents for any one occurrence as a result of power surge, cover is
restricted to one claim per 12 (twelve) month period of insurance (one renewal date to the next) with a flat excess of R1 000.
A power surge claim may be caused by Loadshedding as per the definition under your general section of this policy.
2 Theft or any attempted theft not accompanied by actual visible forcible and/or violent breaking into or out of the building is covered up to a
maximum of 5% of the sum insured.
3 Theft from any storage depot or bank safe deposit, subject to forcible and violent entry to or from the storage depot or bank safe deposit,
limited to a maximum of R5 000.
4 Theft of laundry, furniture and swimming pool equipment from the grounds of the insured property up to a maximum of R5 000.
5 Damage as a result of re-locating of the insured’s property, being moved by professional movers up to a maximum of R5 000.
6 Damage of the insured’s property while in transit to or from a storage unit, safe deposit box or any other similar place up to a maximum
of R5 000.
7 Loss or damage to jewelery, furs, rugs, carpets, works of art, precious metals and stones is restricted to a maximum of 33% of the household
contents sum insured, unless specifically insured under the all risks section.
8 Valuable items (Jewelery etc.)
We will pay for loss or damage to valuable items, subject to receiving a valuation certificate for all items valued at more than R15 000 from a
registered jeweler or registered valuator at the inception of the policy. Valuable items do not include items, furniture and/or appliances etc.
that are deemed to form part of normal household items, furniture or appliances, but items that are worn and/or used as accessories and/or
for recreational activities/purposes away from your premises.
9 Subsidence and/or Landslip:
i) excluding existing damage already present at the start of the policy;
ii) excluding damage as a result of shrinkage, expansion, inadequate compaction, defective design, defective materials,
defective workmanship;
iii) excluding damage from excavations, alterations or repairs, faulty construction, removal or weakening of supports;
iv) excluding damage as a result of mining operations; and
v) excluding damage by contraction or expansion of soil due to its moisture or water content or by compaction of infill.
10 Accidental damage to or breakage of glass, mirror glass and fixed sanitaryware, fanlights, skylights, stoves, ovens, greenhouses, conservatories
and verandas, fixed wash basins, pedestals, sinks, lavatory pans, splash-backs and cisterns excluding denting, chipping, scratching, discolouration
and other disfiguration. This is subject to the insured not owning the building and the building being furnished and occupied.

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11 ATM Assault
Costs as a result of a medical emergency, for injuries sustained up to a maximum of 1% of the householders sum insured or a limit of R5 000
whichever is the greater, as a result of assault at an ATM machine, if treated by a medical practitioner.
12 Fraud from Illegal Card use
Your credit or debit card being used without your knowledge or permission up to a maximum of R2 000, subject to us being able to take
necessary legal action against the person responsible for the loss.
13 Documents
Documents needing to be reinstated or obtaining duplicates of any personal documents damaged as a result of an insured peril, up to a
maximum of R1 000, excluding the value of the contents of such documents, share certificates and/or other negotiable documents.
14 Domestic Helpers property
A domestic helper’s property being lost or damaged up to a maximum of 2% of your householders sum insured or R2 000, whichever is
greater as a result of an insured peril, if they are permanent employees of the insured.
15 Injury to you
Critical injury occurring to you or a direct family member residing with you at your home, resulting from an attempted theft or directly linked
to an insured peril covered under this policy, up to a maximum limit of R10 000.
16 Fire Brigade charges
Reasonable costs for fire extinguishing charges by authorities from a fire occurring on the insured’s property.
17 Guests property
Property of guests residing with you, being damaged as a result of an insured event up to a maximum of 2% of your householders sum
insured or R2 000, whichever is greater. This excludes cover for guests who pay a fee to reside at your residence.
18 Transit of Insured’s property
Your household goods or groceries being damaged in transit as a result of a motor vehicle accident up to a maximum of 3% of your
householders sum insured or R5 000, whichever is greater. Cover extends to include loss or damage of household goods or groceries by theft
following forcible/violent entry to a locked boot.
19 Hole-in-one (“golf”) and full total (“bowls”)
You scoring a hole-in-one in golf in terms of the official rules at any golf club affiliated to a provincial golf union or if you achieve a full house
in bowls in an official singles competition, provided written confirmation is received from the secretary/captain of the golf or bowls club. The
maximum limit payable is R1 000.
20 Household locks and keys
Costs incurred as a result of keys, locks, remote controls and electric keys for your private residence being lost or damaged. We will pay up to
a maximum limit of R20 000, but limited to R10 000 per item for any one claim.
21 Loss of Money
Loss of money and/or negotiable instruments up to a maximum of R1 000 stolen from a locked safe on the insured’s property accompanied
by forcible/violent entry/exit to or from the safe.
22 Rent
The dwelling being uninhabitable as a result of an insured peril. We will pay up to a maximum of 25% of your householders sum insured for
rent you are legally liable to pay and/or any additional costs for alternative accommodation for you, your family and domestic helper that
resides with you.
23 Loss of Water
Accidental damage to a pipe causing a water leak resulting in an above average water charge from the municipality. We will pay up to
R2 000 per incident and a maximum of two incidents within any 12 (twelve) month period of insurance.
Cover is excluded:
• If the property is unoccupied for a period longer than thirty days.
• For leakage from taps, geysers, toilet systems and swimming pools.
• For the cost of replacing or fixing pipes.
24 Refrigerated contents
Accidental failure or breakdown to your refrigerator or freezer, resulting in a deterioration of food items contained therein. Food items are
covered up to a maximum of 2% of the householders sum insured or R5 000, whichever is greater.
25 Security guards
Appointing security guards for up to a maximum of five days or a maximum of R3 000 whichever is reached first, to protect the insured’s
contents after damage has occurred as a result of an insured event under this section at the insured’s property.
26 Storage costs
Storage costs incurred up to a maximum of R10 000 to safely store contents following an occurrence as a result of an insured peril under this
section at the insured’s property.
27 Veterinary fees
Veterinary fees if your pet is involved in a road related incident/accident and sustained an injury needing to be treated by a Vet, we will pay
you up to a limit of 1% of your householders sum insured or R2 000, whichever is greater.
28 Patio furniture
Patio furniture that is accidentally damaged or stolen, up to a maximum of R5 000, additional cover is available for up to a maximum of 33%
of the householders sum insured at an additional premium.
29 Legal Liability occurring at a property the insured resides at.
We will cover the insured up to a maximum of R5 000 000 or the sum insured amount stated in your policy schedule for any one occurrence if
you become legally liable for:
i) Bodily injury or accidental death of any person occurring on your property.
ii) Damage to property belonging to any person.
iii) Costs and expenses which may be recoverable from you by a claimant, provided these costs and expenses were incurred before the offer
of a settlement was made to the claimant.
iv) Costs and expenses incurred by you with our consent.
v) Wrongful arrest

20
 We will compensate you for any amount you are legally liable to pay to a claimant in respect of wrongful or alleged wrongful arrest by you as a
result of your activities as a member of a neighbourhood watch or block watch group or similar voluntary non-profit organisation other than:
• a person under a contract of service or apprenticeship with you; or
• a member of your family or household.
The amount payable for all compensation and all costs and expenses for this extension will not exceed R50 000 in respect of all death,
injury, illness, loss or damage sustained during any one period of insurance.
Liability losses subject to the above will only be payable for loss or damage occurring within the boundaries constituted as the Republic of
South Africa.
We will not cover you for:
• Liability related to your profession or any business activity.
• Liability related to any contract agreement.
• Liability related to disease, injury or death, not directly linked to an incident or event that the insured is liable for.
• Liability for a property you do not own and have not agreed with us to insure.
• Any loss or damage suffered by yourself, any member of your family, household or anyone working with or for you on your property.
• A claim under this extension, if a claim has been submitted under the liability extension of the homeowners section.
30 Sasria Cover
Sasria will cover loss or damage as a result of a Sasria related incident/event/occurrence as described under point 24 of the General Terms
and Conditions section as above, up to:
• A maximum amount of the sum insured specified per section.
• A maximum of R100 000 per extension or the amount stated under each extension, whichever is the lesser and a cumulative maximum
of R250 000 for all extensions combined.
Sasria will not cover the following extensions as above:
• Theft from any storage depot or bank safe deposit.
• Damage as a result re-locating of the insured’s property being moved by professional movers.
• Damage of the insured’s property while in transit to or from a storage unit.
• Subsidence and/or Landslip.
• Accidental damage to or breakage of glass, mirror glass and fixed sanitaryware, etc.
• ATM Assault.
• Fraud from Illegal Card use.
• Transit of Insured’s property.
• Hole-in-one (“golf”) and full total (“bowls”).
• Loss of Water.
• Veterinary Fees.
• Legal Liability occurring at a property the insured resides at.
• Any form of accidental damage cover provided for.
Optional cover if stated to be included in your schedule:
1 Business contents
We will cover up to a maximum of R25 000, for loss or damage to business contents or stock belonging to the insured, subject to theft being
accompanied by forcible/violent entry or exit to or from the insured property.
• The sum insured for this cover must not exceed 30% of the total household contents sum insured.
• Cover for stock items will be restricted and reimbursed at cost price at the time of a claim.
• Cover for items more specifically insured under another section or policy will be excluded.
2 Accidental Damage
We will cover accidental damage to household contents per occurrence or claims up to the maximum limit stated in your schedule.
Loss or Damage to or resulting from the following are excluded:
a) Wear and tear, gradual operating cause, depreciation, result of atmospheric conditions, electrical or mechanical breakdown, rust,
mildew, moths, vermin or insects.
b) Dyeing, cleaning, renovating to all household contents. Denting, scratching or chipping of domestic appliances and furniture. Scratching,
bruising, breakage of strings or reeds and splitting of skins of any musical equipment.
c) Firearms video’s/DVD’s or audio tapes/CD’s/records, china, glass, porcelain, pots, pans, any other cutlery and/or crockery. Any clothes,
shoes, jewellery, including watches, clocks, cufflinks and other wearing apparel.
d) Cellphones, Tablets or Laptops.
e) Locks or other mechanical apparatus due to being over wound.
f) Tools, automatic pool cleaners and/or garden furniture.
g) All items that could be insured under a specified or unspecified all risks section.
Specific Exclusions
• Theft or attempted theft from an unoccupied holiday dwelling is excluded unless accompanied by forcible/violent entry or exit to or from
the dwelling.
• Theft cover is excluded while the dwelling is occupied by someone other than a member of the insured’s family or while let and sub-let,
unless there is evidence of forcible/violent entry/exit to or from the dwelling.
• Loss or damage for Electricity Grid Failure.

21
Section 7
All Risks
2 We will cover you for:
Unspecified and/or specified property insured that is accidentally lost or damaged, we can choose to replace, repair or pay cash-in-lieu for the
lost or damaged property. The amount payable will be the current replacement cost, but limited to the sum insured stated in the schedule.
1.1 Unspecified items are those that are not individually specified on your policy schedule and form part of a sum insured covering various
different unlisted items.
1.2 Specified Items are individual items that are listed separately on your policy schedule with a sum insured that is only applicable to that item.
2 Specific Conditions
2.1 All firearms/guns, cellphones, laptops, tablet devices, watches, bicycles/pedal cycles, tools and all collectables such as but not restricted
to coins, stamps, memorabilia must form part of the specified/specifically listed items under your all risks section.
2.2 All items with a value/sum insured greater than R5 000 must also form part of the specified/specifically listed items under your all risks section.
2.3 Watches and jewellery with a value/sum insured greater than R10 000 requires a valuation certificate, the valuation certificate must be
received by us/the insurer prior to adding them to the all risks section.
2.4 Vehicle remote jamming
Should you suffer a loss to items/property insured under this section of your policy, that have been removed from the boot/hatch of
your vehicle or the concealed space between your seat and loading bay of your LDV, due to access/entry being gained as a result of a
Remote jamming incident and you are unable to show any signs of forcible and/or violent entry or exit to or from your vehicle as per
Exclusion 3.1 hereunder, we will cover you up to the item sum insured limit or the replacement value thereof, whichever is the lesser,
the maximum amount payable per claim will be R 15 000. Cover is restricted to one claim within a 12 (twelve) month period. (We will not
cover another claim unless 12 (twelve) months has passed since your last claim for a remote jamming related incident.)
3 Specific Exclusions
We will not cover:
3.1 Any one article, pair or set that exceeds 25% of the sum insured under the unspecified insured items.
3.2 Insured property stolen from an unattended vehicle unless the items/property were concealed in the boot or hatch (back) of your locked
vehicle. If your vehicle is a LDV, your items/property must be concealed between the front seat (“Single cab”) or back seat (“Double cab”)
and the loading bay of your locked vehicle and there was violent and forcible entry into the vehicle.
3.3 Loss or damage as a result of wear and tear, depreciation, inherent vice or gradual deterioration.
3.4 Electrical and/or mechanical breakdown not resulting from an accident.
3.5 Loss or damage caused by vermin, moths, insects, mildew or any other gradual occurring cause.
3.6 Loss or damage caused due the process of cleaning, dyeing, renovating, repairing or restoring.
3.7 Loss or damage as a result of legal confiscation or detention.
3.8 Loss of bicycles or pedal cycles not securely locked to an immovable object or stored in a secure building.
3.9 Loss or damage to photographic equipment, telescopes, binoculars and optical equipment while being used for business or
professional use.
3.10 Loss or damage to documents, money or any vouchers.
3.11 Theft of contents from an unattended trailer, caravan or side tent unless forcible/violent entry or exit can be proved.
3.12 Damage to any sports equipment or apparel while in use for the purpose which they are intended.
3.13 Any additional costs for preparing your claim.
3.14 Car sound equipment, cellphones, prescribed spectacles or contact lenses unless specified on the policy schedule.
3.15 Money, documents and airtime vouchers.
3.16 Contents of motor vehicles, trailers, caravans, aircraft and boats, unless specified on the policy schedule.
3.17 The special value an article may have as a set.
3.18 Loss or damage insured by another agreement.
3.19 You for loss or damage covered for items, goods or the like that have a factory guarantee (“warranty”), service contract, lease or hire-purchase,
financing or any similar agreement in place at the time of the incident.

22
Section 8
Motor Vehicles
1 We will cover you for one of the covers provided hereunder.
1.1 Comprehensive
Accidental loss of or damage to your vehicle listed in the schedule, its accessories and spare parts while thereon, damage and/or injury
to a third party and/or their property that you are held legally liable for. All mechanical and/or electrical breakdown cover is excluded
unless as a result of an accident.
1.2 Third Party, Fire and Theft
Accidental loss of or damage to your vehicle listed in the schedule, its accessories and spare parts while thereon as a result of fire, theft
or attempted theft as well as damage and/or injury to a third party and/or their property that you are held legally liable for.
1.3 Third Party only
Damage and/or injury to a third party and/or their property that you are held legally liable for.
You are covered for loss of or damage to any vehicle described in the schedule as well as accessories and spare parts while on that vehicle.
The limit of indemnity per vehicle will be the retail value, its accessories and spare parts, subject to the insurer receiving proof of any
non-standard accessories fitted to the vehicle, but limited to the sum insured stated in the schedule. The insurer has the option to repair,
pay cash-in-lieu or replace your vehicle or any part thereon. If a vehicle is financed and a total loss occurs, the first payment will be made to
the financial institution noted in the schedule. The insured will receive the balance of the settlement amount. The Insured will be responsible
for the first amount payable stated in the schedule in respect of each and every occurrence.
The description of vehicle is as follows:
Vehicle will mean:
a) private motor cars, including station wagons, designed to seat not more than 10 people including the driver;
b) light delivery vehicles, microbuses and panel vans not exceeding 3 500kg gross vehicle mass;
c) motor cycles (including motor scooters and 4-wheeled vehicles); and
d) caravans and trailers, which are not self-propelled and specifically described on the policy schedule, including standard accessories and
those mentioned on the schedule.
2 Conditions
2.1 New for old vehicle replacement
If your vehicle is stolen or has an accident and suffers a total loss, if it is less than 12 (twelve) months old from the date of first
registration and has less than 30 000 kilometres, we will replace it with a new vehicle of the same or similar make and model. If the
same or similar vehicle is not available, we will settle you the price of the new vehicle, subject to it not exceeding 120% of the current
sum insured in the schedule. This is subject to the first amount payable by yourself.
2.2 Accident Tow
Towing of the insured’s vehicle from the scene of a motor accident in which they have been involved to our preferred panelbeater. The
relevant contact numbers are as per those provided on the Absa idirect Assist - 0861 434 732 (Accident, Roadside, Home or Legal
Assistance) section, these services are available 24 hours a day, 7 (seven) days a week. Any additional charges incurred due to not using
our preferred suppliers will payable by the insured.
2.3 Additional accessories
In addition to the amount paid as compensation to you, we will pay for additional accessories attached to and which forms part of and is
usually used in conjunction with your insured vehicle, provided the total amount payable by us under this extension does not exceed the
limit of indemnity shown in the schedule, less any excess payable by you.
2.4 Mechanical and electrical breakdown to a winch on a 4X4 vehicle
We will pay a maximum of R3 000 for mechanical or electrical breakdown to a winch fitted to a 4X4 vehicle. We can decide to repair,
replace or pay cash-in-lieu for the winch.
2.5 Vehicle Repatriation
If a vehicle is damaged outside the borders of the Republic of South Africa as a result of an insured event, within the
countries/territories covered under your policy, we will pay:
i) Up to a maximum of R15 000 to repatriate the vehicle and its occupants to South Africa.
ii) Up to a maximum of R2 000 per incident, a maximum of R500 per person for a maximum of 2 (two) days for
emergency accommodation.
2.6 Airborne technical assistance outside South Africa
If the insured vehicle becomes incapacitated in any territory outside the borders of South Africa, but within the defined territorial limits,
as a result of major mechanical breakdown or malfunction of any electronic security device, airborne technical assistance will be
provided by qualified technicians, up to a maximum amount of R7 500.
2.7 Emergency accommodation
If your/the insured vehicle is comprehensively insured and you/the insured suffer(s) a loss as covered and defined therein, you/the
insured will have access to emergency hotel accommodation for yourself and one additional passenger for a maximum of R1 000 per
person per day and a maximum of two nights or R2 000 whichever is the lesser, due to accidental loss or damage to your/the insured
vehicle occurring more than 250 kilometres from your/the insured’s residence within any 12 (twelve) month period of cover.
2.8 Emergency expenses
If your/the insured’s vehicle (car, trailer and/or caravan) is comprehensively insured and you/the insured suffer a loss as covered and
defined therein, you/the insured may authorise emergency repairs to your/the insured vehicle up to a maximum of R5 000 any one
occurrence/incident, subject to you/the insured sending ourselves/the insurer an itemised invoice of the repair. We will also cover the
reasonable cost of delivering the vehicle to you/the insured within the borders of South Africa after the repair has been completed.
2.9 Delivery after repair
After your vehicle has been satisfactorily repaired and you are able to provide a valid reason for not being able to collect your vehicle
from the repairer, we will pay the reasonable costs up to a maximum of R5 000 to deliver the vehicle to your address within the Republic
of South Africa. This extension only applies to deliveries within the Republic of South Africa.
2.10 Locks and keys
The insurer will cover loss of or damage to keys, remotes, coded keys and locks for the insured’s vehicles up to a maximum limit of
R10 000. This will include the recoding of any remotes or keys still in the insured’s possession.

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2.11 Contents of caravan (Optional cover if specified to be included in the schedule)
You are covered for Loss of or damage to “contents of a caravan” up to R1 000 for any one article and a maximum of R20 000 for any
one claim, we will not be liable for:
• loss or damage of the contents while removed from the caravan;
• theft of contents while the caravan or side tent is unoccupied unless there is forcible and violent entry;
• the permanent fittings of the caravan and/or standard items supplied with the purchase of the caravan;
• stamp and/or coin collections, money, documents, jewellery, furs or any article that should be specifically insured; and
• loss or damage caused by fraud or dishonesty by any person to whom the caravan is on loan or hire.
2.12 Medical Expenses
If the insured or an occupant of their vehicle is injured as a result of an accident, a theft or an attempted theft of the vehicle, we will pay
a maximum of R2 000 per person and a maximum of R10 000 per occurrence. Medical expenses cover is excluded if any injured occupant
belongs to a medical aid scheme.
This extension is only applicable to vehicles insured for comprehensive use.
2.13 Towing a third party vehicle
We will pay for loss or damage to your vehicle or legal liability incurred while you are towing any other vehicle. Any loss or damage to the
vehicle being towed is excluded.
2.14 We must be notified within 14 (fourteen) days if your license or anyone else’s license that may drive the insured’s vehicle is endorsed,
suspended or cancelled.
2.15 Your vehicle is insured under one of the following usage groups:
Category Purposes
1 Housewife/Pensioner Social and domestic use only.
2 Private use Social and domestic use including travelling to and from permanent place of
employment/education but excluding business use as described in Category 4 below.
3 Professional Purposes similar Social, domestic and business travel such as doctor call outs, client consulting (Auditing to an
external company) or other such minimal external consulting by a professionally qualified
individual or similar.
4 Business travel Social, domestic and unlimited business travel as in a sales person or similar job where the
visitation of one or more different clients and/or companies is required within a 12 hour
workday period.
2.16 Financial Credit Agreement
If a total loss of the vehicle occurs, a full and final settlement amount will be paid to the registered owner of the vehicle, should this
payment be made to a financial institution, it is their responsibility to settle the insured all amounts due to them after the outstanding
loan amount has been settled. Failure to do this may affect your claim being settled.
2.17 Car Hire (Optional cover if stated to be included in the schedule)
If your vehicle is stolen, hijacked or damaged and cannot be driven and we have confirmed it is a valid claim. Once we have advised you
of your claim number, we will provide you with a hired vehicle from a supplier of our choice. The vehicle will be a category B vehicle with
a manual transmission. You may use the hired vehicle until your vehicle has been repaired or we have finalised and settled your claim
payment. The maximum usage will be for a period of 30 (thirty) days.
2.18 Duty to prevent loss
You must take all reasonable precautions to prevent loss, damage or accidents and must maintain the vehicle in an efficient and
roadworthy condition in compliance with the Road Traffic Act, No 29 of 1989 (as amended or substituted) and other regulations.
2.19 Regular Driver
The insured must notify us if the regular driver of the motor vehicle insured changes at any time, as this could affect the settlement of a
claim if we are not notified thereof.
2.20 Security Devices
i) Theft and hijack cover is conditional upon the installation or approval of the security device as specified in your schedule of
insurance. This device must be in full working order at all times. You will have no theft or hijack cover if this requirement is not met
within the time period advised to you at any stage during the onboarding or any other time during your policy period of insurance.
If any security protections are changed, taken out or have stopped working in your vehicle at any time, we need to be notified
immediately thereof as this could adversely affect the risk and the cover provided under this policy. This would be considered at
the time of a claim and might result in your not being paid.
ii) If your tracking device is damaged during an attempted theft or theft and the vehicle is recovered, we will contribute
R1 000 towards the repair/replacement of the tracking device to the vehicle.
2.21 Unavailability of Parts
If a part for repair of your vehicle is unavailable in South Africa, we will pay for the import costs of that part, subject to the total cost of
repair not exceeding 70% of the value of the vehicle.
2.22 Vehicle Modification
You must notify us of any modifications or alterations to your vehicle, we reserve the right to amend your policy with immediate effect
taking the modifications and/or alterations into consideration, this may result in us deleting the vehicle from your policy.
2.23 Liability to Third Parties
We will cover you for claims that you become legally liable to pay to a third party, as a result of an accident in which your insured vehicle
or a trailer, caravan or other vehicle less than a mass of 3500kgs, being towed by your vehicle is directly responsible for. The maximum
amount payable is the third party Limit provided for in your schedule less any excess that might be applicable.
i) Cover is included for third party property held in trust by you, in your custody and control, third party property being loaded and
unloaded from the insured vehicle, any third party vehicle, trailer or caravan towed by the insured.
ii) Cover is included for loss or damage caused by an individual that you have authorised to drive your vehicle subject to:
• them not having third party cover in place under another policy;
• them being subject to the terms, conditions and exceptions under this policy; and
• them not being refused insurance cover, having their policy endorsed under any other policy, having any infringements
against them or having their license endorsed for any reason.
iii) Cover is excluded for death or bodily injury to any member of your immediate family, your domestic help, any person who resides
with you, any person conveyed in a caravan, trailer or open vehicle, any person while getting into or out of a vehicle, any employee
of the insured while in the course of their employment and loss of or damage to property belonging to you.

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 iv) Cover excludes loss or damage caused by vehicles not owned by you and/or not purchased by you under a credit or similar agreement.
We may arrange representation at any inquest or enquiry in respect of any occurrence covered under this extension, we may defend any
criminal or other legal proceedings in a court of law relating to cover provided for under this extension. The maximum limit for all other
incidences under this extension will be limited to R5 000 000, unless otherwise stated in the policy schedule.
2.24 Credit Shortfall (Optional Cover, if stated to be included in the schedule)
If your vehicle suffers a total loss as a result of an accident or if it is stolen or hijacked and not recovered and subject to us accepting the
loss or damage, we will pay the retail value of the vehicle at the time of the loss plus any additional amount still owing to the finance
institution, less any excesses applicable by you at the time of the incident.
You need to provide us with the settlement invoice from the Financial Institution within 31 (thirty one) days of the incident occurring,
where after full and final settlement will be made to the financial institution. Cover will exclude early settlement penalties, any
additional finance charges, any arrear payments and interest as a result thereof or any legal costs payable to the finance institution.
3 Exclusions
We will not cover your for:
Loss, damage, injury or Liability if:
3.1 Your vehicle is intentionally damaged by you, any member of your direct or indirect family and/or any person residing on your property.
3.2 Your vehicle is used other than as described in the description of use in your schedule.
3.3 Caravans, trailers and motorcycles may be used for Private use only.
3.4 Loss or damage as a result of the driver of the insured vehicle being under the influence of alcohol, drugs or any other substance not
prescribed by a registered medical professional.
3.5 Loss or damage as a result of the driver of the insured vehicle driving while using drugs or any other substance prescribed by a
registered medical professional and advised by them not to drive while using the medication.
3.6 The vehicle is involved in an accident and the driver of the vehicle leaves the scene of the accident, unless they are injured and
transported to hospital in an ambulance, whereafter medical confirmation thereof will be requested.
3.7 If you or any other driver of the vehicle does not have a valid driver’s licence as per the Road Traffic Ordinance of South Africa or if you
or their driver’s licence has been endorsed or suspended.
3.8 The vehicle being driven is not in a roadworthy condition as per the Road Traffic Ordinance of South Africa, this would apply for all
approved territories in which the vehicle is driven.
3.9 You or anybody else partake in any form of racing whether of a legal or illegal nature or any form of off-road activity unless agreed with
the insurer and stated in your schedule.
3.10 Your vehicle is involved in an accident, not switched off or driven thereafter resulting in an indirect further loss or damage to the vehicle.
3.11 Consequential loss related to any occurrence or event.
3.12 Wear and Tear.
3.13 Electrical and/or Mechanical Breakdown, Failures or Breakages, unless as a direct result of an incident deemed to be an accident by
us/your insurer.
3.14 Depreciation in value, from whatever cause.
3.15 Damage to tyres from punctures, cuts or bursts or from the application of brakes, unless as a direct result of an incident deemed to be
an accident by us/your insurer.
3.16 Damage to springs due to inequalities in the road surface or impact with those inequalities, unless as a direct result of an incident
deemed to be an accident by us/your insurer.
3.17 Theft of radios, sound equipment or accessories fitted to a motor cycle, unless the motor cycle is stolen at the same time.
3.18 Damage to your engine and/or your tyres, unless as a direct result of an incident deemed to be an accident by us/your insurer.
3.19 Loss or damage to your vehicle incurred North of the Equator, unless in transit by boat between ports of countries covered in
the territorial limits extension.
3.20 Legal liability where there is cover in place under any other insurance policy, legislation or motor vehicle insurance act.
3.21 Third Party or Personal Liability for a 4 wheeler “Quad” motorcycle if the driver of the motorcycle has been authorised to drive it or not.
3.22 Repatriation or recovery of a 4 wheeler “Quad” motorcycle.
3.23 Loss or damage to your vehicle outside the Republic of South Africa for any purpose other than social and domestic use.
4 General restrictions apply to all categories
You cannot use the vehicle for:
4.1 carrying fare-paying passengers;
4.2 any commercial purposes;
4.3 carrying goods for reward;
4.4 carrying a greater load or more passengers than the vehicle is licensed to carry;
4.5 driving lessons for reward;
4.6 towing another vehicle for reward;
4.7 hiring out the vehicle for reward;
4.8 any contest involving driving in any kind of race or competition;
4.9 motor trade; and
4.10 any armed response or policing duties including voluntary duties, for example, neighborhood watch or community policing duties.

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Section 9
Boats
1 We will cover you for loss or damage to your motorboat, ski boat or wet bike, which consists of the hull, standard fittings, machinery,
engines, equipment and trailers normally sold as one unit up to the reasonable market value or the maximum amount stated in your schedule,
whichever is the lesser, resulting from:
1.1 Fire, accident or malicious damage.
1.2 Theft of the entire vessel including all machinery, outboard motor, gear or equipment thereon.
1.3 Theft of the outboard motor subject to it being securely locked onto the vessel with an anti-theft device, including theft of other
machinery, gear and equipment subject to forcible/violent entry/exit to or from any storage compartments.
1.4 Charges and expenses incurred in minimising or averting a loss covered under this section.
1.5 Multiple Owned Vessel(s):
Your vessel being in a collision with another vessel wholly or partially owned by yourself, providing rights to you for recovery or payment
in terms of liability to or from your other wholly or partially owned vessel, as if it was owned by a third party. Determination of liability
for such an incident, will be referred to a sole arbitrator as agreed between you and us. Any amounts settled will be subject to a
maximum of the own damage and third party limits in your schedule.
1.6 Grounding Sighting
The expense of sighting the underwater section of the hull after grounding has occurred, if incurred for that purpose, even if no damage
is found.
1.7 Protection and removal
The cost of protection and removal of your vessel to the nearest repairer and delivery to your premises in South Africa once the repair
has been completed, the maximum amount payable under this extension is R2 000, unless otherwise agreed by us. You may also
authorise emergency repairs up to a maximum of R3 000, subject to the detailed quote being sent to us immediately.
1.8 Transit
The transit of your vessel on land, including while loading or unloading. This extension includes death, injury and/or damage to third
parties and their property while loading or unloading your vessel. Cover is excluded:
i) For scratching and denting.
ii) If the vessel is conveyed by a person not having a valid driver’s license, unless the person has stolen or conveyed the vessel
without your permission and you have laid a charge against that person.
1.9 Emergency and salvage charges
All charges and expenses reasonably and necessarily incurred in minimising or averting a loss covered by this policy up to the sum
insured for the insured property.
1.10 Contents of Boat (if specified to be included in the schedule)
If specified in your schedule, we will cover the contents of your vessel up to the maximum sum insured in the schedule under this
extension. We will exclude cover for:
i) Contents while removed from the vessel.
ii) Theft while the vessel is unoccupied, unless there is forcible/violent entry/exit to or from the vessel.
iii) In excess of R1 000 per item and more than R20 000 for all items per incident.
iv) Permanent standard fixtures and fittings of the vessel.
v) Stamps, coin collections, money, documents, jewelry, furs or any other item that should be more specifically insured.
vi) Any contents lost as a result of fraud or dishonesty, by any person that you loan or hire the vessel to.
1.11 Emergency Expenses
You/The insured may authorise emergency repairs to your/their vessel/boat up to a maximum of R5 000 any one occurrence/incident,
subject to you/the insured sending ourselves/the insurer an itemised invoice of the repair. We/The insurer will also cover the reasonable
cost of delivering your/their vessel/boat to you/the insured within the borders of South Africa after the repair has been completed.
1.12 Additional accessories
In addition to the amount paid as compensation to you/the insured, we will pay for additional accessories attached to and which forms
part of and is usually used in conjunction with your/the insured vessel/boat, provided the total amount payable by us under this
extension does not exceed the limit of indemnity shown in the schedule, less any excess payable by you.
1.13 Yachts
Fire, collision, impact to or from any external force, sinking or becoming stranded. Loss or damage to your yacht sails, masts, spars and
running rigging as a result of an insured event will be covered up to a maximum amount of 75% of the sum insured.
1.14 Yacht racing risks
The costs of repairing or replacing sails, masts, spars and running rigging lost or damaged due to an insured event while the vessel is
racing, but only up to a maximum of 75% of the sum insured specified in the schedule (as applicable to such items). If the loss or damage
is caused by the vessel being stranded, sunk, burnt, on fire, in collision or in contact with any external substance (ice included) other
than water, we will pay the repair or replacement costs up to the limit of the sum insured, after the deduction of any depreciation for
replacement of gear and equipment or excess payable by you.
1.15 Third Party Liability
We will compensate you or any person using the vessel with your permission and having the correct certification in place to do so for
any costs that you become legally liable to pay. The maximum amount payable under this extension is R5 000 000. This extension
includes liability arising from any water skier while being towed or preparing to be towed in respect of:
i) Death or injury to any person, other than yourself, any member of your family, person living in the same household or any person
employed by you.
ii) Loss or damage to third party property, other than property belonging to any member of your family, person living in the same
household or any person employed by you.
iii) Legal costs incurred for defending any action brought against the insured.

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2 Conditions
2.1 Total Loss
Your vessel will be declared a total loss should the repair cost exceed the sum insured value in the schedule. You will be settled the sum
insured less the excess applicable and the vessel will become the possession of the insurer.
2.2 Continuation of Cover
If the vessel is at sea and the insurance expires during the voyage, we will continue to cover the vessel until it arrives at the next port
within the territorial limits covered in terms of this policy and is safely moored in that port, at which time cover will expire immediately.
2.3 Duty of Care
All necessary precautions need to be taken to ensure the safety of the vessel and all statutory regulations which govern the operation
of such vessel must be complied with at all times.
2.4 Fire Protection Equipment
The vessel must be fitted with an automated fire extinguishing system or one where the operations thereof can be controlled from the
steering position of the vessel. All fire extinguishing equipment must be installed, maintained and serviced in line with the fire
regulations of South Africa.
2.5 Boat Motor
If your vessel motor is immersed in water at any time, you must flush and restart it as soon as it becomes practicable to do so.
2.6 Multi-hulls
Should one or more hulls of your vessel be damaged and the cost of repair exceeds the replacement cost of your vessel, we will pay the
replacement cost or the sum insured in the schedule, whichever is the lesser.
2.7 Repairs
We may decide where your vessel can be repaired and may initiate a tender process to obtain quotes to repair it. You will be refunded
any additional expenses incurred by this.
2.8 Replacement Value Conditions
We may decide to replace any loss of or damage to a part with a second hand replacement part in the same or better condition if
available, we may also choose to replace it with a new part if a replacement part is unavailable.
2.9 Ten Year Vessel Inspection
We may request to inspect your vessel when it becomes older than 10 (ten) years from the date it is was manufactured. Your vessel will
need to be removed from the water at your expense for us to conduct the inspection.
2.10 Territorial/International Waters
Cover for your vessel is restricted to the territorial limits and International waters forming part of the Republic of South Africa,
Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe.
2.11 Vessel underway or in-transit
i) When your vessel is underway, it must be under the control of a certified skipper for that vessel.
ii) When your vessel is launched through surf, it must be equipped with two adequately sized motors.
iii) When your vessel is in-transit, it must be conveyed by a trailer designed for your vessel specifications.
3 Exclusions
We will not cover you:
3.1 For any airborne activity while being towed or while in the course of preparing to engage in or completing, disengaging or in any way
being remotely involved in such activity.
3.2 For any form of liability while the vessel is used to derive an income or a payment is made or received in any way for the use or the vessel.
3.3 For any payment due as a result of any agreement or contract that the insured has relating to the vessel or the use thereof.
3.4 For fines or penalties imposed under any statutory code or common law.
3.5 For liability for death, injury or property damage to any water-skier that is towed by your vessel.
3.6 For liability incurred for any person operating or employed by a shipyard, repair yard, slipway, yacht club, marina, sales agency or
similar organisation.
3.7 Pre-existing or previously unrepaired damage will be excluded. If this damage forms part of the claim submitted, the costs of the
pre-existing or previously unrepaired damage will be deducted from the agreed settlement amount.
3.8 If the vessel is used for any purpose other than private and pleasure use.
3.9 If the vessel is let out on hire or charter.
3.10 If the vessel is towed on water, other than if in need of assistance or towing while laid up or being repaired.
3.11 If the vessel is towing another vessel, other than if it is in distress.
3.12 If a vessel is towed as part of a contract, even if it is in distress.
3.13 If the vessel is involved in racing, trials, any speed test or similar event.
3.14 For wear, tear, depreciation and corrosion.
3.15 For mechanical and/or electrical breakdown of any part of the vessel and/or its accessories unless it is caused by:
i) Fire, Accidental or malicious acts.
ii) The vessel being stranded, sunk or coming into contact with any external object.
3.16 For sails or protective coverings split by the wind or blown away while set, unless they are damaged as a result of damage to the mast or
spars from an insured peril under this section.
3.17 For loss or damage to the masts, spars, standing or running rigging while the vessel is racing, unless the loss or damage is caused by the
vessel being stranded, sunk, burnt, in a collision or comes into contact with an external object or harmful substance. For any part or the
whole vessel as a result of a design fault or a fault in the construction of the vessel or any other latent defects.
3.18 If anyone is driving the towing vehicle under the influence of liquor or drugs not prescribed by a medical practitioner, the medical
practitioner also cannot be related to yourself or the driver of the vehicle in any way.
3.19 For loss or damage directly or indirectly caused by negligence for any repair or alteration work carried out on the vessel.
3.20 For any personal effects, consumables, fishing gear or nets.
3.21 For theft of any deflated craft from the vessel, unless followed by forcible/violent entry/exit to or from the vessel or unless stolen with
the vessel.

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Section 10
Electronic Equipment
1 We will cover you for:
1.1 Physical loss or damage to your computer equipment insured and listed in the schedule while:
i) In your building on your property.
ii) In transit, including loading and unloading or temporarily stored in any premises en route.
iii) Temporary removed to any other building.
iv) Anywhere in the world in respect of laptops and other portable computers listed in your schedule.
1.2 Reconstruction of data
This section is extended to include all costs and expenses reasonably incurred for the recompilation of data and/or programmes
recorded on laptops, desktops, tablets and/or gaming devices which are lost as a result of accidental erasure, provided that such costs
and expenses are:
i) for a laptop, desktop, tablet and/or gaming being specifically insured under this section;
ii) not caused by programme errors, viruses, incorrect entry or the inadvertent cancellation or corruption of data; and
iii) subject to a maximum limit of R25 000 in respect of any one occurrence or series of occurrences as a result of any one event.
2 Basis of compensation
2.1 If your computer equipment and/or software can be repaired, the cost of repair and/or restoration will include the daily cost of wages,
as well as tax and customs duties, subject to the maximum amount payable being limited to the amount stated in the schedule.
2.2 If your computer equipment and/or software results in a total loss and cannot be repaired, we will pay the new replacement value as
well as the tax and customs duties, subject to the maximum amount payable being limited to the amount stated in the schedule.
2.3 If we or you are unable to find a suitable replacement and unable to successfully reinstate lost files or data, we will settle you in terms of
a cash-in-lieu payment, subject to the maximum amount payable being limited to the amount stated in the schedule.
3 Exclusions
We will not cover you for:
3.1 the first amount payable as stated in your schedule;
3.2 derangement, unless accompanied by physical damage;
3.3 loss or damage recoverable in terms of any maintenance and/or leasing agreement;
3.4 pre-existing faults or defects known to the insured or their employees;
3.5 wear and tear, gradual deterioration or damage of a cosmetic nature;
3.6 parts having a limited lifespan such as bulbs, valves, contacts, X-ray tubes, cathode ray tubes, thermionic emission tubes, fuses and
sacrificial buffer circuits unless lost or damaged at the same time as an incident giving rise to a claim;
3.7 consequential loss, damage or liability originating from any cause;
3.8 loss by theft or disappearance unless accompanied by forcible and violent entry into or exit (or any attempt thereat) from the building;
3.9 any computers and/or accessories and/or software being used for professional or trade purposes; and
3.10 the value of information lost on tapes or discs for any reason or cause.

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