CO L UMN
Please note that emphasis is placed
on items of a household nature the PTO-shaft of the ground-nut
harvester lying in the garage is
therefore not included!
Buildings which qualify for
cover in terms of this division
are the same as discussed in Part
8 - Home Owners, namely the
private dwelling of the insured and
domestic outbuildings and do not
include the store in which tractors,
animal feed, etcetera are kept.
WHAT AM I INSURED
AGAINST?
The same cover as against insured
perils are provided as discussed in
Pitfalls of short-term insurance Part 8 : December 2015/January
2016, namely fire, lightning,
special perils (storm, wind, water),
theft, etcetera.
However, it is important to
note the following limitations relating to burglary or any attempt
there at:
• Burglary (or any attempt
thereat) is excluded should the
insured buildings be loaned, let
or sub-let, unless it goes hand
in hand with breaking in or
out of the building by means of
material, visible and forcible
means.
In short it means that should
a door be left ajar and should
somebody walk in and take any
items (e.g. handbag, camera,
etc) and walk out, such an incident would not be covered in
terms of the policy.
- It is therefore important to
note that cover in respect of
theft relating to the contents
of the holiday home of the
insured person which is being
rented out, is limited to theft
after access to the building in
a material, visible and forcible manner.
Should the lessee disappear
with that beautiful Pierneef
painting, it will not be
covered.
• Theft (or any attempt there at)
from any domestic outbuilding
is limited to damage or loss after material, visible and forcible
breaking into or out of such
building.
- The ‘disappearance’ of the
electric drill or grinder from
the garage while it is left
open, will also not be covered.
As in the case of Home Owners
Division, certain Extensions are
••
•
•••
••
included in the policy, free of
charge.
EXTENSIONS
• Loss of or damage to the contents of fridges and freezers
- Accidental spoiling of the
contents of the fridge or freezer in the insured buildings
due to fluctuating temperatures, for instance when the
servant switches off the power
to vacuum the carpets and she
forgets to switch it on again.
- Spoiling of food due to power
deliberately being cut off by
Eskom is not included.
- Damage to fridge or freezer
(due to possible power fluctuations) is not included.
- Cover is limited to
R2 000.00 or 2% of the
insured amount whichever
may be the highest.
• LOSS OF MONEY
Limited cover of R2 500.00
(two thousand five hundred
rand) is applicable in respect of
loss of or damage to money of
the insured/co-insured person
caused by an insured peril while
inside the private dwelling of
the insured, as specified in the
annexure.
SENWES Scenario • Feb/Mar 2016
33