“Partners in your Risk”
The following risks, perils, events and/or property are not covered under you domestic insurance policy. Please refer to the policy wording for full details.
Consequential losses of any kind●Deeds,bonds,bills of exchange,promissory notes,money,cheques,securities for money, stamps, documents,manuscripts,medals or coins except as specifically provided● Lack of maintenance ●Faulty or defective design materials or workmanship●Gradual detioration or wear and tear● latent defect and inherent vice●unaccountable and normal shortages●Shortages due to errors and omissions●Cracking of building/Structures unless caused by an insured peril●Fraudulent scheme trick or false device●Detention, confiscation, nationalisation etc●Pawned items●Storm, wind, flood, water, hail or snow damage to property in the open not designed to operate or exist in the open●Storm, wind, flood, water, hail or snow damage to retaining walls●Property undergoing repairs and being worked on or to it etc. or processing risk e.g. bleaching, dyeing, cleaning, heating, drying etc. ●Damage to property undergoing any process●Loss of or damage to property caused by work on or to it●Loss under a section is excluded if it can be more specifically insured under another section.
●Fines,penalties, etc●Liabilities insurable under a Motor Vehicle or watercraft policy●Liability to employees or members of the same household●Liability for damage to property under your custody or control● advice and/or treatment of a professional nature●Liability assumed under agreement (excluding security companies or garden services)●Liability from any trade business or profession●The ownership of animals other than cats or dogs ●The use of weapons or firearms●Judgements (including costs) obtained outside the territorial limits are not covered
●Suicide or intentional self-injury●Accidents as a result of being under the influence of alcohol, drugs, etc. ●Pregnancy, childbirth etc●Existing physical defects●Hazardous activities such as flying as aircrew, motor cycling other than on business●Racing involving power driven vehicles or vessels●Mountaineering necessitating the use of ropes●Winter sports involving snow or ice, polo on horseback, steeple chasing●Pro football, hang-gliding, parachuting, skydiving, bungee jumping, hang gliding, rugby, ice hockey, wrestling, boxing, scuba diving, water skiing, martial arts and any other sport as a professional●War and terrorism●Participation in riots●Special conditions apply to disappearance and exposure●Any person over 75 years in age.
●Consequential loss (e.g. missed flight due to accident)●Depreciation in vehicle value due to accident●Wear and tear or gradually operating causes●Mechanical or electrical breakdown, failure or breakage●Damage to engine or tyres unless some other part of vehicle is damaged at the same time●Damage to springs and/or shocks due to inequalities of road surface●Car radios (to be specified separately)●Incorrect class of use●Unlicensed driving ●Driving whilst under the influence of intoxicating liquor or drugs in excess of the legal permissible limit. ●Unauthorized used by member of same household unless a criminal theft charge is laid against such member. ●Traffic convictions, endorsements, suspension or cancellation of driving license not notified to Insurers● Leaving the scene of an accident unlawfully●Drivers over 70 years of age unless medically fit to drive and certified by a Doctor●Commercial vehicles and vehicles with sign- writing on them●Vehicles not parked in a locked garage or secured premises overnight when at the normal risk address (unless otherwise accepted by insurer)●Imported vehicles(unless otherwise accepted by insurer)●Not roadworthy and unlicensed vehicle●Vehicles that have been modified or altered in such a way that it no longer conforms to the manufacturer’s original specification. (e.g. code 3 vehicles – click here for more info on code 3 vehicles), rebuilt vehicles●Loss or damage caused, sustained or incurred outside the territorial limits of the Republic of South Africa●Vehicles not registered in South Africa●Vehicles used for racing, rallies, driving instruction & towing for payment●Where the vehicle is in possession of another party who is selling it on your behalf. Motorcycles, trailer and/or caravans – cover is available with separate insurance terms and conditions
●Third party claims where the own damage claim has been rejected will also be rejected●Injury/death to employees, persons of the same household as you, persons being carried in or on a trailer, motorcycle or caravan. ●Property in your custody or control or loaded on the vehicle, trailer or caravan●Cover under the Road Accident Fund.