Head Office: 146 Boeing Road East, Elma Park, Edenvale, 1609
PO Box 674, Edenvale, 1610
Tel: 0860 734 368 | Fax: + 27 (0)11 574 2828 | Web: www.regent.co.za
DOMESTIC INSURANCE POLICY
ADZOO REG 539 08 - 06 -12
Underwritten by Regent Insurance Company Ltd, a licensed short-term insurer,
Company reg. no.: 1966/007612/06 and an authorised Financial Services Provider,
FSP licence 25511.
TABLE OF CONTENTS
PAGE
INTRODUCTION2
CONSENT TO THE DISCLOSURE OF INFORMATION
2
YOUR RESPONSIBILITIES
3
YOU ARE NOT COVERED FOR
6
SECTION 1
–
HOUSEOWNERS (BUILDINGS)
8
SECTION 2
–
HOUSEHOLDERS (CONTENTS)
14
SECTION 3
–
ALL RISKS
22
SECTION 4
–
PERSONAL ACCIDENT
25
SECTION 5
–
PERSONAL LIABILITY
29
SECTION 6
–
MOTOR AND MOTORCYCLE
31
SECTION 7
–
PLEASURE CRAFT
46
SECTION 8
–
PERSONAL COMPUTERS
50
SECTION 9
–
EXCESSES (FIRST AMOUNT PAYABLE)
53
SECTION 10 –
REGENT CARE LINE (A VALUE ADDED PRODUCT)
54
SECTION 11 –
DOMESTIC EMPLOYEES COMPENSATION PLAN
(A VALUE ADDED PRODUCT)
58
SECTION 12 –
ALL ASSAULT MEDICAL AND TRAUMA COVER
(A VALUE ADDED PRODUCT)
63
SASRIA
–
POLICY OF INSURANCE FOR SPECIAL RISKS
67
SASRIA
–
MOTOR POLICY OF INSURANCE FOR SPECIAL RISKS
70
FAIS DISCLOSURE NOTICE
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76
Page 1 of 78
REGENT DOMESTIC INSURANCE COVER
POLICY TERMS AND CONDITIONS
INTRODUCTION
This policy is the agreement for personal lines insurance between the Regent Insurance Company
Limited (we or us or our) and the Insured (you or your) named in the schedule which forms part of this
policy, on the basis that your proposal and declaration whether written or verbal, also forms part of
this policy.
We agree to provide insurance in terms of your policy during any period of insurance for which a
premium has been paid.
CONSENT TO DISCLOSURE OF INFORMATION
The sharing of claims and underwriting information (including credit information) by Insurers is essential
to enable us to underwrite policies, assess risks fairly and reduce the incidence of fraudulent claims.
In the public interest and with a view to limiting premiums, you consent to any insurance or claims
information being disclosed to us, any other insurance company or its agent by you or any person
representing you.
The South African Insurance Association (SAIA) has created a shared database for storing insurance
information of policyholders. We all store your information in the shared database to verify any
underwriting information against legally recognised sources or databases.
Fighting insurance fraud will benefit you, because fraud affects the short-term insurance industry.
It affects the evaluation and determination of risks by insurers, and it affects you directly as it leads to
higher premiums.
1.
Your right to privacy
Your right to privacy is a fundamental element that must be taken into consideration however
it is restricted to the certain limits. These limits include cases where the parties have a legal
interest in that information. In terms of South African law, we may disclose and/or receive
information if we intend using it to prevent fraud and to underwrite risks fairly.
2.
Your authorisation to us
a)
You acknowledge that the sharing of information for under­writing and claims purposes
is in the public interest, as it will enable insurers to underwrite policies and assess risks
fairly and to reduce the incidence of fraudulent claims. This will contribute to keeping
premiums as low as possible.
b)
On your behalf and on behalf of any person who you represent, you waive your rights
to privacy of any underwriting and claims information for any insurance policy or claim
made by you or on your behalf.
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c)
d)
e)
You consent to such information being stored in the shared database and used as set
out above.
You consent to such information being given to any insurer or its agent.
You consent to any underwriting information being verified against and shared with
legally recognised sources or data­bases.
1.
YOUR RESPONSIBILITIES
The following are general conditions and rules which apply to all sections of your policy
and you must comply with them so that you can be sure that you will be covered:
1.1.
Misrepresentation, misdescription and non-disclosure (the information you give must
be complete and truthful)
If you give us false information or wrong descriptions or if you fail to inform us of any relevant
information, the result will be that the particular section or the entire policy, as the case may
be, will become voidable i.e. you may lose your cover under that particular section or even the
entire policy.
1.2.Jurisdiction
This policy is subject to the exclusive jurisdiction of the courts of the Republic of South Africa
(RSA).
1.3.
1.4.
Prevention of loss
You must take all reasonable steps necessary to prevent or reduce loss, damage, injury or
liability.
Change of material facts
You must tell us in writing if any of the policy details or declarations are wrong or if any of
these details, declarations or material facts have changed, as this may influence our continued
acceptance of the policy, risk or claim. This also applies to the proof of any no claim bonus.
A material fact is one which could influence us in deciding whether or not to insure you (such
as convictions), and if so, on what terms and conditions and for what premium. If you are not
sure whether something is a material fact you should disclose it. This may include giving us
information that we have not asked for directly.
If you do not disclose all the material facts your insurance may be invalid and we may refuse to
pay any claims you make.
Your duty to disclose material facts is an on-going one. You must continue to keep us informed
of any changes in material facts during the course of being insured with us.
1.5.Cancellation
You can cancel your policy at any time by notifying us. If we wish to cancel your policy, we
will give you 30 days notice in writing. If you pay your premium annually, you will be allowed a
pro-rata refund of the premium less any claim amounts paid or outstanding. If your policy is
paid monthly, you will not be allowed a refund of any premium.
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1.6.
1.7.
1.8.
1.9.
1.10.
1.11.
Payment of premium
You must pay the premium by the due date. If you pay by debit order you must make sure that
you have sufficient money in your account to pay your premiums.
Failure to pay
If you do not pay any monthly or annual premiums within 15 days of the due date, we will not
pay any claim and your cover will be cancelled.
Renewal of annual policies
We do not automatically renew an annual policy and it is your responsibility to make sure that
your policy has been renewed with us. If you have a mortgage or a finance agreement which
has been paid up, you must ensure that your policy has been renewed.
Full value
You must ensure that the property covered under Sections 1 – Houseowners, Section 2 –
Householders and Section 3 – All Risks is insured for its full current replacement value.
Automatic inflation adjustment
We may increase the sums insured under Section 1 – Houseowners, Section 2– Householders
and Section 3 – All Risks 1.1.a) – Unspecified items on the anniversary date of this policy by a
percentage that is reasonably in keeping with inflation. This action will not relieve you of your
responsibility to make sure that each of these sums insured represent the full replacement
value of your property at all times.
Claims procedures and requirements
If you have a claim for loss or damage:
a)
you must tell us of any loss or damage as soon as possible and send us a completed
claim form, within 30 days of the date of loss;
b)
you must report the loss to the police within 48 hours and advise us of the case
reference number;
c)
you must provide evidence of value and/or proof of ownership to us in the event of a
claim, including any additional documentation which we may require as proof;
d)
if you receive any summons or notice of legal action, tell us immediately and send us
any documents that you have received. We do not have to defend the legal action if we
do not receive the documents required;
e)
you must not repair or replace, or give any instructions for repairs or replacements,
unless approved by us;
f)
you must give us any assistance we require and supply all information and documentation
we may reasonably need within 30 days of such request, during the process of a claim
and afterwards if necessary;
g)
if necessary, you must allow us to enter the building or premises where the loss or
damage took place to remove any damaged property covered by this policy so that we
can deal with it in an appropriate manner. You must not abandon any property whether
taken into our possession or not. (If we take possession of any item it does not mean
that we have accepted the claim).
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1.11.1. Rejection of claim and time bar
a)
You have to provide satisfactory proof of any loss that you claim for.
b)
If your claim has been rejected or the amount disputed, you have 90 days after receipt
of our rejection letter to make representations to us in respect of our decision.
c)
After the expiry of the 90 days referred to above, you have a further 6 months to start
legal action against us.
d)
If you do not serve a summons on us within this time, you will lose the right to challenge
our rejection.
1.12.
Settlement of claim
In all cases we may decide if we are going to repair, replace, reinstate or pay cash in settlement
of your claim. We also reserve the right to specify the place of such repair, replacement or
reinstatement.
1.13.
Subrogation (legal action on your behalf)
We are entitled to take legal action on your behalf against any third party, or in respect of any
recovery, contribution, defence or settlement of a claim.
1.14.
Excess – what you are required to pay when you claim
Every time you have a valid claim in terms of your policy you must pay the basic excess as well
as any additional excesses as stated in your schedule.
1.15.
Other insurances
If there are other insurances covering any of the sections of this policy, we will only pay our
rateable proportion of any loss or damage.
1.16.
Reinstatement of the sum insured
The sum insured by this policy will not be reduced by the amount of any claim. We may request
you to pay a premium on the amount of the claim from the date of the loss or damage to the
expiry of the period of insurance. This condition applies separately to Section 1 – Houseowners,
Section 2 – Householders and Section 3 – All Risks 1.1.a) – Unspecified Items.
1.17.Correspondence
We will send correspondence to your last known email or postal address.
1.18.
Fraud and dishonesty
If you or anyone acting on your behalf submits a claim, or any information or documents relating
to a claim that is in any way fraudulent, dishonest, exaggerated or withheld, we will reject your
claim and your policy will be cancelled.
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2.
YOU ARE NOT COVERED FOR:
The following are General Exceptions which apply to all sections of this policy.
We will not pay for:
a)
loss of or damage caused by wear and tear, mechanical, electrical or electronic
breakdowns, failure or breakages, depreciation or gradual deterioration;
b)
consequential loss from any cause whatsoever, or any loss arising from any contractual
liability;
c)
loss, damage, costs or expenses directly or indirectly arising from detention,
confiscation, forfeiture, impounding or requisition legally carried out by customs, the
South African Police Services, Crime Prevention Units or other officials or authorities;
d)
if you fail to report any loss or damage to us in writing within 30 days and failure to
report any criminal incident or accident to the police within 48 hours;
e)
Riots, wars, political acts, public disorder, terrorism, or any attempted acts of
this kind:
i)
civil commotion, labour disturbances, riot, strike, lock-out or public disorder
or any act or activity which is calculated or directed to bring about any of
the above;
ii)
war, invasion, act of foreign enemy, hostilities or warlike operations (whether
war be declared or not), or civil war;
iii)
mutiny, military rising or usurped power, martial law or state of siege, or any
other event or cause which determines the proclamation or maintenance of
martial law or state of siege, insurrection, rebellion or revolution;
iv)
any act (whether on behalf of an organisation, body, person or group of
persons) calculated or directed to overthrow or influence any state or
government or any provincial, local or tribal authority with force or by means
of fear, terrorism or violence;
v)
any act calculated or directed to bring about loss or damage to further any
political aim, objective or cause, or to bring about any social or economic
change, or in protest against any state or government, or any provincial, local
or tribal authority, or for the purpose of inspiring fear in the public, or any
section thereof;
vi)
any attempt to perform any act referred to in clause iv) or v) above;
vii)
the act of any lawfully established authority in controlling, preventing,
suppressing or in any other way dealing with any event referred to in any of
clauses i) to vi) above;
viii)
any act of terrorism. An act of terrorism means the use or threat of violence
for political, religious, personal or ideological reasons. This may or may not
include an act that is harmful to human life. It could be committed by any
person or group of persons, acting alone, on behalf of or with any organisation
or government. It includes any act committed with the intention to influence
any government or inspire fear in the public.
f)
Incidents where the associated damage is covered by legislation – any event
for which a fund has been established under the War Damage Insurance and
Compensation Act (Act No. 85 of 1976) or any similar Act operative in the countries to
which this policy applies.
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g)
h)
i)
j)
k)
Nuclear substances – nuclear material, nuclear fission or fusion, nuclear radiation,
nuclear waste from the use of nuclear fuels or nuclear explosives or any nuclear
weapon.
Asbestos – any claims, directly or in any way involving asbestos, or any materials
containing asbestos in any form or quantity.
Seepage and pollution – this policy does not cover loss or damage caused by
seepage, pollution, and contamination.
Sanctions – we shall not be liable for any claim where you are or become during the
course of the policy, subject to sanctions, prohibitions or restrictions under any United
Nations resolutions or the trade or economic sanctions, laws, or regulations of the
European Union, United Kingdom or United States of America. We shall not be liable
to provide indemnity under this policy if to provide cover would be in violation of any
political, economic or trading sanctions which prohibit us from providing cover under
this policy. If we allege that, by reason of this exception, loss, damage or liability is not
covered by this policy, the burden of proving the contrary shall rest upon you.
Computer losses – damage or liability or consequential loss caused by the failure or
incapacity of any computer, including peripheral or ancillary equipment or software,
microchip, integrated circuit or similar device.
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SECTION 1 – HOUSEOWNERS (BUILDINGS)
This section refers to the buildings at the address noted in your schedule. This includes all fixtures,
fittings, driveways, walls, patios, swimming pools, tennis courts, underground pipes and cables, gates,
posts, fences (excluding hedges) and electronic gate motors on the premises stated in the schedule.
We will pay for, or decide whether to replace or reinstate property lost or damaged as defined, subject
to the maximum limit of the sum insured.
RE-INSTATEMENT means that if, the buildings are:
a)
destroyed, we will re-build them;
b)
damaged, we will repair the damaged portion as close as possible to its condition when new.
1.
YOU ARE COVERED FOR:
1.1.
Loss of or damage caused by the following insured events:
a)
fire, lightning, explosion;
b)
malicious damage;
c)
wind, water, hail or snow;
d)
storm or flood excluding loss or damage:
i)
to gates and fences other than metal palisades and any motor attached;
ii)
directly caused by movement of the land supporting the private residence
even if the movement is directly or indirectly caused by the storm or flood. This
exclusion will not apply to the removal of land supporting the private residence
by flowing surface water;
iii)
caused by wear and tear or gradual deterioration;
e)earthquake;
f)
bursting, leaking or overflowing of water equipment, pipes, or fixed oil-fired heating
equipment including damage to them;
g)
impact to the private residence caused by falling trees, vehicles, animals, aircraft and
other aerial devices or anything that falls from them;
h)
collapse or breakage of aerial systems, fixed radio and/or television aerials/masts or
satellite dishes including damage to them;
i)
theft or attempted theft provided that if the building is unoccupied there is forcible and
violent entry or exit.
1.2.
Sasria (South African Special Risks Insurance Association)
You are also covered for Riot and Special Risks cover for insured events which happen in the
RSA provided by Sasria Limited. You are covered for loss and damage, including malicious
damage, caused by any person or group of people acting in a riot, strike, lock out, civil commotion
or any other act with a political, social or economic aim. Please refer to the enclosed Sasria
policy wording for more details.
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1.3.Average
If at the time of loss or damage, the cost of replacing the property is greater than the sum
insured, including the costs of demolition, professional fees and public authority requirements,
you will be responsible for the rateable proportion of the loss or damage accordingly,
for example:
EXAMPLE 1
EXAMPLE 2
Claim amount
R50 000
Claim amount
R35 000
Sum insured
R250 000
Sum insured
R150 000
Replacement cost of R500 000
property
Replacement cost of R375 000
property
Average calculation
R250 000 x R50 000 Average calculation
R500 000
R150 000 x R35 000
R375 000
Claim settlement
R25 000
Claim settlement
R14 000
Financial loss to you
R21 000
Financial loss to you R25 000
2.
YOU ARE ALSO COVERED FOR THE FOLLOWING EXTENSIONS:
2.1.
Breakage of glass and sanitaryware
We will pay for accidental damage to fixed glass, mirrors and sanitaryware (except when the
building is vacant), but excluding chipping, scratching or disfiguration.
2.2.
Public supply or mains connection
We will pay for accidental damage to water, sewerage, gas, electrical and telephone connections
between the public supply and your building. The connection must be either on your property
or your legal responsibility.
2.3.
Public authority
We will pay for costs incurred in repairing, or rebuilding in accordance with the requirements of
public authorities following destruction or damage to the building by an insured event.
2.4.
Fire brigade charges
We will pay the reasonable costs charged by the authorities for extinguishing a fire in order to
prevent or lessen the damage to your building.
2.5.
Security guards
We will pay for the employment of security guards to protect your property after an insured
event up to a maximum amount of R5 000.
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2.6.Rent
If you cannot live in your private residence due to damage caused by an insured event we
will pay up to a maximum of 20% of the sum insured for the building. This only applies for the
period reasonably required to make the building of your private residence livable. The amount
payable will be based on the actual rent you receive for your buildings at the time of the loss or
damage or the value of rent if you occupy the buildings yourself.
2.7.
Cost of demolition and professional fees
After a loss caused by an insured event, we will pay for the costs reasonably incurred by you
with our written consent:
a)
in demolishing the building, removing the debris from the site and erecting hoardings
required for the building operations;
b)
for architects’, quantity surveyors and engineers’ fees;
c)
for local authorities’ scrutiny fees following loss of or destruction or damage to the
dwelling by an insured event.
2.8.
Subsidence and landslip (limited cover)
We will pay for destruction of or damage to buildings caused by subsidence or landslip from
any cause but excluding:
a)
destruction of or damage to watercourses, boundary, garden, screen and retaining walls,
gates, posts, fences, driveways, paving, swimming pool surrounds, tennis courts; or
b)
damage caused as a result of the contraction and or expansion of soil as is experienced
in clay and other similar types of soil; or
c)
damage which existed at the commencement of the policy; or
d)
damage caused by faulty design, construction or inadequate compaction; or
e)
damage as a result of any alterations, additions or repairs; or
f)
damage as a result of excavations, removal or weakening of support.
2.9.Mortgagee
The interest of the mortgagee will have priority over your interest and is limited to the amount
outstanding on the bond. This insurance will not be invalidated by any act or omission on your
part which takes place without the knowledge of the mortgagee.
2.10.Tenants
The insurance will not be invalidated by any act or omission of a tenant of yours where this
has occurred without your knowledge and provided that you notify us as soon as you become
aware of such act or omission.
2.11.
Water-pumping machinery
In the event of accidental damage to fixed water-pumping machinery used for domestic purposes
we will, at our option, choose whether to repair or replace it up to a maximum of R5 000.
2.12.
Liability to the public
If your building is covered under this section, then indemnity is provided by Section 5. Personal
Liability in so far as it applies to the liability of property owners.
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2.13.
Loss of water by leakage
We will pay for costs of water lost through leakage from pipes in the building of your private
residence or on its grounds where you are responsible to pay the charge for such water subject
to the following conditions:
a)
in the event of the quarterly reading of water consumption exceeding the average of
the last 4 quarterly readings by 50% or more, we will pay for the cost of such additional
water consumed up to a limit of R5 000;
b)
up to R5 000 shall be payable for not more than 2 separate incidents in any 12 month
period of insurance;
c)
it is a condition precedent to liability under this extension that you will upon discovery
of a leak (by physical evidence or on receipt of an abnormally high water account) take
immediate steps to repair the pipe(s) affected;
d)
this extension does not cover the cost of remedial action including repairs to the
pipe(s) affected;
e)
we will not be liable for claims:
i)
as a result of leaking taps, geysers, toilet systems and swimming pools;
ii)
while the private residence is unoccupied for a period in excess of 30 days;
iii)
where the water level of a swimming pool has to be topped up as a result of a
leaking inlet or outlet pipe.
2.14.
Removal of fallen trees
We will pay for the costs to remove fallen trees from the private residence following an insured
event, up to R5 000 in any 12 month period of insurance. Written consent must first be obtained
from us.
2.15.
Alteration to premises for wheelchair mobility
In the event that you or any member of your immediate family living with you become permanently
disabled as a result of an accident or unlawful assault at the risk address noted in the schedule
and as a result, you are permanently dependent on the use of a wheelchair for mobility we will
contribute towards the costs of alterations to your home to facilitate the use of the wheelchair
subject to our liability for such costs not exceeding R20 000.
2.16.
This contribution will apply once only and will not apply to more than 1 injured person. For
the purposes of this extension an accident will mean an unforeseen, external and visible
occurrence which causes bodily injury resulting in permanent disability.
Clean up costs
In the event that your buildings and/or moveable possessions within the building are damaged
or defiled following any unlawful assault or act of physical violence (excluding any such act by
you or any member or your immediate family) regardless of the outcome but as a result there
is a need for your home or possessions to be professionally cleaned we will pay up to R10 000
in respect of such costs.
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3.
YOU MAY ALSO CHOOSE TO BE COVERED FOR:
You will only be entitled to this optional extension if you selected it and it is shown in
your schedule.
3.1.
Subsidence and landslip
This section is extended to include loss of or damage to the private residence caused by
subsidence or heave of the land supporting the private residence or landslip provided the loss
or damage is not caused by or does not arise from:
a)
excavations other than mining excavations;
b)
alterations, additions or repairs to the private residence;
c)
the compaction of infill;
d)
defective design, materials or workmanship;
e)
normal settling, shrinkage or expansion of the private residence.
We will not pay for loss or damage to:
a)
solid slab floors or any other parts of the private residence resulting from the movement
of such slabs, unless the foundations supporting the external walls of the private
residence or outbuildings are damaged by the same cause at the same time;
b)
swimming pools, tennis courts, patios, terraces, driveways, paths, septic or conservancy
tanks, drains, water courses, walls, gates, posts and fences unless the private residence
or outbuildings are damaged at the same time;
c)
we will not pay for the work needed to prevent further loss or damage due to subsidence,
heave or landslip except where appropriate design precautions were implemented
during the construction of the private residence and any subsequent additions thereto;
d)
you must pay the excess which is noted in your schedule. If required, you must prove
that the loss or damage being claimed for was caused by subsidence and landslip.
4.EXCESS
Please refer to your schedule to find the excess amounts applicable to this section.
5.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions which apply to the Houseowners Section of
the policy:
a)
the first amount payable (excess), of every claim arising from an insured event as
stipulated in the schedule;
b)
loss of or damage to the building caused by tree felling unless carried out by professional
tree fellers;
c)theft:
i)
if the building is left unoccupied for more than 60 consecutive days;
ii)
while the building is let or sub-let or temporarily unoccupied unless there are
visible signs of forced entry or exit;
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d)
e)
f)
g)
h)
i)
loss of or damage to:
i)
retaining walls caused by flood;
ii)
Ioose gravel paths and coverings;
loss or damage to the building caused by wear and tear or gradual deterioration, mildew,
fading, insects or vermin, scratching, chipping, or discoloration, or water seepage,
corrosion or rust;
defects where the design or construction of the building causes or contributes to the
damage, or any faulty or defective design, materials or workmanship;
damage or destruction arising directly or indirectly from mining operations or a rise in
the underground water table or pressure caused by it;
loss or damage caused by any subsidence or landslip unless cover has been specifically
purchased as defined under Optional Extension 3.1. by payment of an additional
premium and noted in your schedule;
loss of or damage to water-pumping machinery due to wear and tear or the loss of or
damage to automatic pool cleaning equipment.
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SECTION 2 – HOUSEHOLDERS (CONTENTS)
This section refers to all your moveable personal possessions, which are in your private residence and
in any domestic outbuildings (including garages and outbuildings not directly communicating with the
private residence), at the address noted in your schedule. These are items that belong to you or to any
members of your immediate family residing with you. For property loss or damage, we will either repair
or replace it at the current replacement cost.
1.
YOU ARE COVERED FOR:
1.1.
Loss of or damage caused by the following insured events:
a)
fire, lightning, explosion;
b)
malicious damage;
c)
storm, wind, water, flood, hail or snow but excluding loss or damage:
i)
caused by wear and tear or gradual deterioration;
ii)
to property in a structure which is not completely roofed or property in the
open unless the property is designed to exist or operate in the open;
iii)
caused by a process necessarily involving the use or application of water or
gradual seepage of water;
d)earthquake;
e)
bursting, leaking or overflowing of water equipment or pipes excluding damage to such
equipment;
f)
accidental leakage of oil from fixed oil-fired heating equipment;
g)
theft or attempted theft;
h)
impact to the private residence caused by falling trees, vehicles, animals, aircraft and
other aerial devices or anything that falls from them.
1.2.
Sasria (South African Special Risks Insurance Association)
You are also covered for Riot and Special Risks cover for insured events which happen in the
RSA provided by Sasria Limited. You are covered for loss and damage, including malicious
damage, caused by any person or group of people acting in a riot, strike, lock out, civil commotion
or any other act with a political, social or economic aim. Please refer to the enclosed Sasria
policy wording for more details.
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2.
AVERAGE (UNDER INSURANCE)
If at the time of loss or damage, the cost of replacing the property insured as new is greater than
the sum insured, you will be responsible for the difference and will bear a rateable proportion
of the loss or damage accordingly, for example:
EXAMPLE 1
EXAMPLE 2
Claim amount
R50 000
Claim amount
R35 000
Sum insured
R250 000
Sum insured
R150 000
Replacement cost of R500 000
property
Replacement cost of R375 000
property
Average calculation
R250 000 x R50 000 Average calculation
R500 000
R150 000 x R35 000
R375 000
Claim settlement
R25 000
Claim settlement
R14 000
Financial loss to you
R21 000
Financial loss to you R25 000
3.
YOU ARE ALSO COVERED FOR THE FOLLOWING EXTENSIONS:
You are also covered for the following extensions which are included at no additional
cost. We will pay up to R5 000 any 1 claim for extensions 3.1. to 3.11. below:
3.1.
Contents of refrigerators and freezers
We will pay for the spoiling of the contents of refrigerators or freezers in your buildings due to
a power failure or due to the breakdown or accidental damage of the unit.
3.2.
Personal documents and keys
We will pay for the cost of replacing locks and keys to your buildings and the cost of reinstating
personal documents, as well as for the materials and cost of labour in reinstating the documents
or for the cost of obtaining duplicates.
3.3.
Garden equipment
We will pay for outdoor furniture and garden equipment at your private residence which is
stolen while in the open.
3.4.
Damage to garden
We will pay for the reasonable and necessary costs incurred by you in your capacity as owner
of the private residence for the replacement of trees, shrubs and plants situated in the grounds
of the private residence as a result of damage due to fire, fire fighting operations, explosion,
impact by vehicles or aircraft, other aerial devices or articles dropped from them or deliberate
or wilful acts but excluding loss or damage caused by or arising from theft or attempted theft.
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3.5.
Clearance costs
We will pay for costs necessarily incurred for the removal of debris from the private residence
or its grounds following loss or damage arising from an insured event.
3.6.Laundry
We will pay for laundry stolen from the washing line.
3.7.
Television sets and glass
a)
Any television set, video recorder or decoder in the building, that is accidentally
damaged.
b)
Any mirror glass or sheet glass in or on furniture, glass topped stoves or oven doors
that are damaged accidentally.
3.8.
Security guards
We will pay for the employment of security guards to protect your property after the occurrence
of an insured event.
3.9.
Accidental damage
We will pay for accidental damage to household contents inside your building.
3.10.
Property of guests or domestic employees
We will pay for loss of or damage to personal effects or property belonging to your guests or full
time domestic employee while inside your buildings and provided that there is no cover under
any other policy.
3.11.
Credit cards
We will pay up to R5 000 in any 12 month period of insurance against liability or loss arising
from fraudulent use of your credit, cash or SIM (Subscriber Identity Module) cards by any
person who is not a member of your family or household. We will not pay if you have not
reported the loss of the card to the issuing organisation as soon as possible or complied with
the conditions of issue of the card.
3.12.
Medical expenses
We will pay for medical expenses incurred as a result of accidental bodily injury to any guest,
visitor or domestic employee up to R5 000 per person while at the address stated in the
schedule and caused by:
a)
a domestic animal owned by you;
b)
a defect in the building;
c)
your domestic employee which results from and in the course of his/her employment
with you but only if claimed by you.
3.13.
Veterinary expenses
We will pay for any injury which your dog or cat sustains in a road accident. The maximum
amount we will pay is R3 000.
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3.14.
Loss of rent
If you cannot live in your private residence due to loss or damage caused by an insured event,
we will pay for:
a)
rent for which you are responsible;
b)
any reasonable additional costs incurred in providing alternative accommodation for
you and your family and any domestic staff normally residing with you. Cover is limited
to 20% of the householders sum insured and only applies to the reasonable period
required to make your private residence habitable again.
3.15.
Accidental death
We will pay you or your estate a maximum amount of R10 000 if you or your spouse die
within 90 days due to an injury sustained in your buildings or on your premises as a result of
fire or attack by thieves.
3.16.Hole-in-one
If you score a hole-in-one playing as an amateur in a game of golf in terms of the rules at any
recognised golf club, we will pay R1 000 on written confirmation by the secretary of the club.
3.17.
3.18.
Full house
If you are part of a team of 2, 3 or 4 which, playing as amateurs, scores a full house (that
is, 8 or 9 bowls to count) in a game of bowls in any competition played in terms of the rules
of the South African Bowling Association, at any recognised bowling club, we will pay
R1 000 on written confirmation by the secretary of the club.
If you are part of a rink (team of 4) which, playing as amateurs, scores a full house (that is, all 8
bowls to count) in a game of bowls in any competition played in terms of the rules of the South
African Bowling Association, at any recognised bowling club, we will pay R1 000 on written
confirmation by the secretary of the club.
Contents outside the house
We will pay for loss or damage caused by an insured event to contents in:
a)
any other occupied residence or any building in which you are temporarily residing,
but theft is limited to R3 000 provided that there is visible, forcible and violent entry
or exit;
b)
any domestic outbuildings, but theft is limited to R5 000 unless there is visible, forcible
and violent entry or exit;
c)
any building in which you are employed, but theft is limited to R5 000 there is visible,
forcible and violent entry or exit;
d)
any bank safe deposit box or storage depot;
e)
any laundry or other trade premises for the purpose of making up, alteration, renovation,
repair, cleaning or dyeing, but theft is limited to R5 000 provided that there is visible,
forcible and violent entry or exit;
f)
any residential section of any occupied private dwelling whilst the contents are in
temporary storage;
g)
cover is also provided for theft from any wendy house, garden shed or building of a
similar nature but compensation is limited to R5 000 provided that there is visible,
forcible and violent entry or exit.
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3.19.Transit
We will pay for damage to household goods while in transit from your current place of residence
to your new permanent place of residence, or from any place of purchase, repair or renovation
provided that the damage is caused by fire, collision or overturning of the transporting vehicle,
limited to the sum insured stated in the schedule.
3.20.Money
We will pay for loss of or damage to money while inside your home and caused by an insured
event. Cover is limited to R2 000. Theft of money must be accompanied by visible signs of
forcible entry or exit.
3.21.
Automatic pool cleaners
We will pay up to a maximum amount of R3 000 for the theft of automatic pool cleaners, subject
to the excess shown in your schedule. We will not pay for any loss or damage caused by wear
and tear or maltreatment of the equipment.
3.22.
Clean up costs
In the event that your buildings and, or moveable possessions within your building are damaged
or defiled following any unlawful assault or act of physical violence (excluding any such act by
you or any member of your immediate family) regardless of the outcome, but resulting in the
need for your home or possessions to be professionally cleaned we will pay up to R10 000 in
respect of such costs.
3.23.
Business goods and equipment
This refers to business goods and equipment, not otherwise insured, inside your private
residence (for which we will pay up to R30 000 in any 12 month period of insurance) which
belong to you or for which you are responsible. This extension of cover is subject to the business
not being of a manufacturing nature in any way and no trading is carried out, your buildings
being primarily used as private residence and you are the sole employee of such business
unless it comprises an office or consulting room.
4.
YOU MAY CHOOSE TO BE COVERED FOR:
You will only be covered for the optional extensions if selected and is shown in
your schedule.
4.1.
Accidental damage
We will at our option by payment, repair or replacement pay for accidental damage to household
goods in your private residence in addition to the amount of R5 000 which is covered in terms
of Extension 3.9. accidental damage.
We will not be liable for:
a)
more than 20% of the sum insured indicated in the schedule for any single item;
b)
more than the sum insured indicated in the schedule for any 1 claim;
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c)
d)
loss or damage:
i)
caused by or resulting from wear and tear, depreciation, electrical, mechanical
or electronic breakdown, rust mildew, moth, vermin, insects, by your own
domestic pets, any gradually operating cause, the process of dyeing, cleaning
or renovating, the action of light or atmospheric conditions;
ii)
to furniture or domestic appliances by scratching, denting or chipping;
iii)
to firearms, video or audio tapes;
consequential loss of any nature.
4.2.
Subsidence and landslip
This section is extended to include loss of or damage to the contents of the private residence
caused by subsidence or heave of the land supporting the private residence or landslip provided
such loss or damage is not caused by or does not arise from:
a)
faulty design or construction of any building;
b)
the removal or weakening of supports of any building;
c)
architectural alterations, additions or repairs;
d)
excavations above or below ground, except excavations in the course of mining
operations.
You will be responsible to pay for the excess which is noted in your schedule. If required you
must prove that the loss or damage being claimed for was caused by subsidence and landslip.
5.
CLAIM-FREE GROUP
If no claims have been made under this section of your policy, during a period of insurance as
stated below and immediately before the renewal or anniversary date of the policy, the renewal
premium will be based on the applicable claim-free group discount as follows:
CLAIM-FREE PERIOD
CLAIM-FREE GROUP
The preceding year (first year of insurance)
1
The preceding two successive years
2
The preceding three successive years
3
The preceding four successive years
4
The preceding five successive years
5
The preceding six to nine successive years
6-9
The preceding ten or more successive years
9
Other than as stated above
0
If any claims are made under this section during a period where a claim-free group is given, the
claim-free group will reduce by 2 in respect of each claim made. If no claims have been made,
the claim-free group will increase by 1 for each subsequent renewal.
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6.EXCESS
Please refer to your schedule to find the excess amounts applicable to this section.
7.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions which apply to the Householders Section of
the policy.
We will not pay for:
a)
spoiling of the contents of the refrigerator or freezer due to the intentional power
cut by any authority, or damage to the refrigeration or freezer units as a result of the
power cut;
b)
the value to you of the contents of any personal documents;
c)
malicious damage to garden furniture or outdoor equipment resulting from theft or
attempted theft;
d)
mechanical, electrical or electronic breakdown of any television set, video recorder,
decoder or sound equipment;
e)
loss or damage caused by:
i)
mining activities or a rise in the underground water table or pressure caused
by it;
ii)
tree felling unless by professional tree fellers;
f)
theft or attempted theft:
i)
if the private residence is unoccupied unless there are visible signs of forced
entry or exit, but if the private residence is left unoccupied for more than 60
consecutive days in any 1 calendar year no cover will apply in respect of theft
or attempted theft;
ii)
while the private residence is lent, let or sub-let unless there are visible signs
of forced entry or exit;
g)
accident or damage:
i)
caused by wear and tear, depreciation, rust, mildew, fading, insects or vermin;
ii)
caused by scratching, denting, chipping or discoloration or any gradually
operating cause;
iii)
caused by the process of cleaning, dyeing, renewing or repairing items;
iv)
to computer data;
v)
caused by over winding of clocks or other mechanical apparatus;
vi)
to contents in a building where its structure would not have been approved by
the relevant local authority;
vii)
to motor vehicles, trailers, caravans, aircraft and watercraft;
viii)
to goods used for business purposes;
ix)
to musical instruments by scratching, bruising, breakage of strings or reeds or
splitting of vellums and drum heads;
x)
to firearms, video or audio tapes or articles of china or glass including crockery;
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h)
i)
j)
k)
l)
m)
n)
o)
defects where the design or construction of the building causes or contributes to the
damage;
property more specifically insured;
landlord’s fixtures and fittings;
coins of any description, securities, postage stamps, deeds, bonds, bills of exchange,
promissory notes, cheques, manuscripts and medals;
loss or damage occurring outside the territorial limits;
theft from a holiday home which has been unoccupied for more than 60 days and does
not have a burglar alarm linked to an armed response unit;
consequential loss of any nature;
any amount in excess of 1/3 of the Householders sum insured for the total value of
jewellery, furs, rugs, carpets and precious metals and stones.
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SECTION 3 – ALL RISKS
This section refers to personal possessions belonging to you or any member of your household living
with you, which are worn or normally taken with you out of your home.
1.
YOU ARE COVERED FOR:
1.1.
Insured events
Personal possessions that are lost or accidentally damaged. We will decide whether to repair or
replace such personal possessions at the current replacement cost. The cover for this section
is worldwide.
PERSONAL POSSESSIONS means:
a)
Unspecified items:
i)clothing;
ii)
personal effects, normally worn or carried by you;
iii)
personal equipment, normally worn or used by you when participating in sport;
iv)
we will pay up to a maximum of 25% of the sum insured selected for this cover
in respect of any 1 item, pair or set.
b)
Specified items – property specifically insured:
i)
individual items valued at more than R2 500 each must be specified in
your schedule. If such items are not specified in your schedule, they will not
be covered;
ii)
money and negotiable instruments up to an amount of R1 000 (if they have
been stated in your schedule to be included).
The following items, irrespective of value, will only be covered if specified in your schedule:
Cellular phones, portable television sets, portable radio/cassette/CD players, furs, compact
discs, valuables in a safe deposit box, leather jackets, laptops, wheelchairs, handheld personal
electronic devices such as iPads, iPods, global positioning systems, caravan contents, camping
equipment, sporting equipment, golf clubs, photographic equipment, contact lenses, water craft
contents, stamp, medal and coin collections, firearms, pedal cycles and musical instruments.
1.2.
Pairs and sets
If an article, which is lost or damaged, was part of a pair or set, we will not pay more for the
article than its proportionate value with regard to the total value of the pair or set.
1.3.
Sasria (South African Special Risks Insurance Association)
You are also covered for Riot and Special Risks cover for insured events which happen in the
RSA provided by Sasria Limited. You are covered for loss and damage, including malicious
damage, caused by any person or group of people acting in a riot, strike, lock out, civil commotion
or any other act with a political, social or economic aim. Please refer to the enclosed Sasria
policy wording for more details.
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2.
YOUR RESPONSIBILITIES
These are specific conditions which you must comply with to ensure that you will
be covered:
2.1.
Contact lenses
If your contact or micro-corneal lenses specified in the schedule are lost or damaged we
will pay for the replacement cost of lenses of the same prescription but not for any related
professional fees.
2.2.
Stamp, medal or coin collections
If a stamp, medal or coin collection is specified in the schedule:
a)
we will only pay if 1 or more complete pages of the stamp collection are lost or damaged;
b)
our responsibility for any 1 stamp, medal or coin will not exceed 2/3 of the value
stated in any current recognised catalogue. The maximum amount we will pay is
R5 000 for any 1 stamp, medal or coin;
c)
we will not pay for any current coins.
2.3.
Pedal cycles
The pedal cycle must be securely locked if it is away from home and left unattended otherwise
theft cover will be excluded. We do not provide cover if the pedal cycle is used for racing or
rallying purposes.
2.4.
Valuation certificates
A valuation certificate must be provided for any items of jewellery exceeding R2 500 in value
and which have been specified in your schedule. If such documentation has not been provided
and any loss or damage occurs, the cover will be limited to R2 500 in respect of any 1 item.
2.5.
Evidence of value and proof of ownership
You must provide documentary evidence of value and proof of ownership to us in the event of
a claim, before a claim for any item will be considered.
2.6.
Caravan contents
If the contents of a caravan are specified in the schedule the following will apply to that item:
a)
CONTENTS means household goods, which belong to you or are your responsibility,
while in the caravan or attached tent;
b)
if the contents are accidentally lost or damaged we will pay for or may choose to repair
or replace them. The amount payable will be the current replacement cost. If at the
time of the loss or damage the cost or replacing the property insured as new is greater
than the sum insured, you will be your own insurer for the difference and will bear a
rateable proportion of the loss or damage.
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Exceptions
We will not pay for:
a)
theft or property insured while the caravan or attached side tent is unoccupied unless
there is forcible and violent entry;
b)
more than R1 000 or 25% of the sum insured, whichever is the greater, for any 1 article;
c)
the permanent fittings of the caravan;
d)
stamp, medal and coin collections, money, documents, jewellery, furs or any article
more specifically insured;
e)
loss or damage caused by fraud or dishonesty by any person to whom the caravan is
on loan or hire.
3.EXCESS
Please refer to your schedule to find the excess amounts applicable to this section.
4.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions which apply to the All Risks Section of the policy:
a)
the excess of every claim arising from an insured event as stipulated in the schedule;
b)
loss or damage caused by:
i)
wear and tear, depreciation, rust, mildew, fading, insect or vermin;
ii)
scratching, chipping or discoloration;
iii)
the process of cleaning, dyeing, renewing or repairing items;
iv)
damage to or loss of computer data;
c)
money, cheques and other negotiable instruments other than as stated under Specified
Items b) ii);
d)
photographic equipment used for professional purposes or as a tool of trade;
e)
sports equipment whilst in use;
f)
any property left unattended at any sports club or gymnasium unless kept in a secured
locker and there are visible signs that the locker was broken into;
g)
property stolen from an unattended motor vehicle, unless the property insured was
concealed in a locked boot or compartment forming part of a locked vehicle and there
are visible signs that the vehicle was broken into.
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SECTION 4 – PERSONAL ACCIDENT
This section describes the compensation we will pay for your accidental death and permanent
disablement within 12 months of an accident.
DEFINITIONS
a)
b)
c)
d)
e)
YOU OR YOUR means you and your spouse and dependent children, subject to the children
living with you under the age of 21 years and up to a maximum of 25 years provided that they
are in full time education.
DEATH means death occurring within 12 consecutive months of the accident.
BODILY INJURY means bodily injury caused by violent, accident, external and visible means.
ACCIDENT means an accident that is the direct cause of bodily injury being sustained.
PERMANENT DISABILITY means permanent disability, as described in the compensation
scale, occurring within 12 consecutive months after sustaining the bodily injury.
1.
YOU ARE COVERED FOR:
1.1.
COMPENSATION SCALE – we will pay compensation as described below:
a)
Compensation for death – the amount as stated in the schedule.
b)
Compensation for permanent disablement – a percentage of the amount shown in
the schedule and calculated as set out in the compensation scale below:
In the event of an accident causing
Percentage payable
Loss by physical separation at or above the wrist or ankle
of one or more limbs or the complete or irrecoverable loss
of all sight in one or both eyes
100%
Loss of four fingers
70%
Loss of thumb
– both phalanges
– one phalanx
25%
10%
Loss of index finger
– three phalanges
– two phalanges
– one phalanx
10%
8%
4%
Loss of middle finger
– three phalanges
– two phalanges
– one phalanx
6%
4%
2%
Loss of ring finger
– three phalanges
– two phalanges
– one phalanx
5%
4%
2%
Loss of little finger
– three phalanges
– two phalanges
– one phalanx
4%
3%
2%
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In the event of an accident causing Percentage payable
Loss of metacarpal
– first or second (additional)
– third, fourth or fifth
– (additional)
3%
2%
Loss of toes
–
–
–
–
–
30%
15%
2%
1%
Loss of hearing
– both ears
– one ear
100%
25%
Loss of
– whole eye
– sight of eye
100%
100%
Loss of – sight of one eye, except
– perception of light
75%
Loss of
– speech
100%
all on one foot
great, both phalanges
great, one phalanx
other than big, if more than one toe lost, each
Injuries resulting in total paralysis or permanent disablement
or in being permanently bedridden
Permanent disfigurement from burns of
a) 100% of the head and neck
b) 100% of the surface area of the remainder of the body
100%
50%
25%
If the percentage of the disfigurement under item a) or b) is less than 100% of the surface
area we will apply to the benefit concerned a percentage based on the extent that actual
disfigurement bears to 100% disfigurement.
We shall not be liable under item a) or b) unless the extent of disfigurement under a) or b)
individually exceeds 10% nor until the permanent effect of medical and/or surgical treatment
has been established.
Permanent total loss of use of a limb will be treated as loss by separation.
Where the injury is not specified we will apply a percentage of disablement which is consistent
with the provisions of this table.
The aggregate of all percentages payable for permanent disablement in respect of any 1
accident shall not exceed 100% of the amount payable under Compensation 1.1. b)
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2.
YOUR RESPONSIBILITIES
These are specific conditions which you must comply with to ensure that you will
be covered:
a)
upon payment of any claim under Compensation 1.1. a) or 1.1. b) for which compensation
as stated in the table of permanent disablement is 100% of the basic amount insured
by that item this insurance and any further liability will cease immediately;
b)
you must give notice to us:
i)
of any physical infirmity which, to your knowledge, affects you;
ii)
immediately of any change to a more hazardous occupation by yourself;
c)
cover in respect of the insured, will automatically cancel when the insured
reaches the age of 75;
d)
on the happening of an event which results in payment under Compensation scale
1.1.b) you must be examined by a registered medical practitioner and undergo any
treatment the practitioner believes necessary;
e)
you must agree to a medical examination at our expense as often as we require;
f)
compensation under 1.1. a) Death in respect of children under the age of 14 years is
restricted to limits prescribed by statute.
3.EXCESS
No excess is applicable to this section.
4.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions which apply to the Personal Accident Section of
the policy:
a)
death or permanent disablement due to you taking part in:
i)
any sport as a professional;
ii)
parachuting, skydiving, bungee-jumping or hang-gliding, steeple chasing, water
skiing, scuba diving, martial arts, rugby, winter sports, ice hockey, wrestling,
boxing, polo, football for and against professional clubs;
iii)
big game hunting;
iv)
mountaineering where the use of ropes or a guide is necessary;
v)
racing, speed or other endurance tests on or in power driven vehicles or craft;
vi)
motor cycling;
vii)
flying other than as a passenger in a licensed passenger carrying aircraft
piloted by a duly qualified person;
viii)
participation in any defence, correctional or security services;
ix)
mining or using explosives;
x)
using machinery for commercial purposes;
xi)
provoking assault, breaking the law or disturbing the peace;
xii)
any wilful misconduct on your part;
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b)
c)
any injury arising, directly or indirectly, from:
i)
sexually transmitted diseases, or any disease or illness;
ii)
HIV (Human Immunodeficiency Virus) or any related illness, including AIDS
(Acquired Immune Deficiency Syndrome) or any mutant derivative or variation
of it;
iii)
any pre-existing physical defect or infirmity;
iv)
insanity, neurosis or stress related conditions;
v)
pregnancy and childbirth, miscarriage, abortion or any complications or
consequences thereof;
vi)
death or permanent disablement as a result of your being under the influence
of alcohol or drugs;
vii)
or due to you driving a vehicle while your blood alcohol concentration is over
the legal limit;
suicide, or any attempt at suicide or any intentional self injury.
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SECTION 5 – PERSONAL LIABILITY
We will pay up to R5 000 000 if you become legally liable to pay compensation for accidental death,
bodily injury or illness or accidental loss or damage to property occurring during the period of insurance,
for any 1 incident or series of incidents arising out of 1 event. This includes legal costs and expenses
incurred with our written consent.
1.
YOU ARE COVERED FOR:
1.1.
Tenant’s liability
If you become legally liable as a tenant, and not as an owner, we will pay for:
a)
Ioss or damage to the buildings, or fixtures or fittings, directly caused by storm, wind,
water, hail or snow, theft or attempted theft, fire or explosion;
b)
breakage of fixed glass or sanitaryware;
c)
accidental damage to water, gas, electricity or telephone connections to the buildings.
1.2.
Liability to domestic employees
If you are legally liable in respect of accidental death of or bodily injury to your domestic
employee which arises from an accident or injury during the course of his or her employment
and which occurs during the period of insurance.
We will pay up to a maximum of R20 000 for any 1 claim or series of claims arising out of any
1 event. This includes legal costs and expenses incurred with our written consent and any legal
costs and expenses which a claimant can recover from you.
1.3.
1.4.
Wrongful arrest
All sums for which you are legally responsible to pay for compensation or damages in respect
of wrongful arrest or alleged wrongful arrest by you of any other person other than:
a)
a person under a contract of service or apprenticeship with you; or
b)
a member of your family or household;
which arises out of your activities as a member of a neighbourhood watch or a block watch
group or of a similar voluntary non-profit organisation provided that the amount payable for
all compensation and damages and all costs and expenses of litigation and all other costs
and expenses will not exceed R50 000 in respect of all death, injury, illness, loss and damage
sustained during any 12 month period of insurance.
Security companies or garden services
Exception 3.d) of this section does not apply to any liability assumed in terms of a written contract
entered into with any organisation providing security, armed response or garden services in
respect of property insured by Section1 – Houseowners and Section 2 – Householders.
2.EXCESS
No excess is applicable to this section.
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3.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions which apply to the Personal Liability Section of
the policy:
a)
compensation payable to you or any member of your family normally residing with you
or any person employed by you under a contract of service and arising from and in the
course of such employment with you;
b)
loss of or damage to property belonging to you or in your custody or control or that of
your domestic employee;
c)
loss or damage arising out of any cause directly or indirectly due to your employment,
business or profession, the ownership of land or buildings (other than buildings insured
under Section 1 – Houseowners and land upon which they are situated provided the
land is used for residential purposes), the occupation of land or buildings, other than
your building, the use of any motor vehicle, caravan, trailer or water craft, (other than
model aircraft, surfboard or paddle-ski) owned by you or in your custody or that of your
domestic employee;
d)
liability accepted by agreement, which would not have attached in the absence of such
agreement;
e)
death or injury to any occupant or damage to their property caused by a motor vehicle
driven by you;
f)
breakage of fixed glass or sanitaryware due to chipping, scratching or disfiguration.
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SECTION 6 – MOTOR AND MOTORCYCLE
MOTOR SECTION
This section is applicable to any private motor vehicle, light delivery vehicle with a maximum gross
vehicle mass of not more than 3 500kg, motorcycle (see section 2A and 2B), caravan and trailer with a
maximum carrying capacity of not more than 750kg.
RISK CATEGORIES (Description of use)
The Risk Category is the type of use that the vehicle is insured for and is stated in the schedule:
g)
Risk Category 1: Private – vehicles used only for social, domestic and pleasure purposes
including travel to and from work.
Risk Category 2: Strictly private – vehicles used only for social, domestic and pleasure
purposes excluding travel to and from work.
Risk Category 3: Business – vehicles used for your business or occupation.
Risk Category 4: Private – any motorcycle, scooter, off road motorcycle, 3 and 4 wheeled
motorcycle (quads), cruisers and motorcycle trailers used for social, domestic and pleasure
purposes.
Risk Category 5: Business – any motorcycle, scooter, off road motorcycle, 3 or 4 wheeled
motorcycle (quads), cruisers and motorcycle trailers used or intended essentially for your
business or occupation.
Risk Category 6: Private – any caravan or trailer used only for social, domestic and pleasure
purposes.
Risk Category 7: Business – any caravan or trailer used for your business or occupation.
1.
YOU ARE COVERED FOR:
1.1.
Own damage Section 1A – Insured Events
In the event of loss or damage (less any excess applicable) we will pay for:
a)
the cost of repairs to the vehicle stated in the schedule as a result of accident, fire,
storm, hail damage, theft or attempted theft, hijack or malicious damage. If the vehicle
has been stolen or hijacked or if we consider the vehicle to be a write-off, we will
replace the vehicle, or at our option, pay you the sum insured stated in the schedule or
the reasonable retail value, whichever is the lesser. We reserve the right to determine
whether to pay for your vehicle to be repaired; replace your vehicle or pay you the
cash amount equal to the loss or damage and to determine the place of the repair or
replacement of your vehicle;
b)
towing and storage charges. Arrangements for towing, recovery or storage of your
vehicle must be made through the Regent Care Line 0800 00 48 48 prior to the vehicle
being uplifted;
c)
repairing or replacing (at our option) your windscreen, or any window glass;
d)
additional benefits as described in the policy.
a)
b)
c)
d)
e)
f)
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DEFINITIONS
a)
b)
RETAIL VALUE means the Retail price determined by that month’s issue of the “Auto Dealers’
Guide” or the “Commercial Vehicle Dealers’ Guide” published by TransUnion Auto Information
Solutions and adjusted according to the “Kilometre and Condition Chart” contained in the
guides.
Where the particular make and model of the vehicle is not reflected in such guides, the average
value given by 3 independent motor industry sources will be used as the value of the vehicle.
SUM INSURED means the value of the vehicle specified by you at the time of your application
for this policy, whether in writing or verbally, including its accessories as specified in the
schedule. This value must be updated regularly by you.
1.2.
Sasria (South African Special Risks Insurance Association)
You are also covered for Riot and Special Risks cover for insured events which happen in the
RSA provided by Sasria Limited. You are covered for loss and damage, including malicious
damage, caused by any person or group of people acting in a riot, strike, lock out, civil commotion
or any other act with a political, social or economic aim. Please refer to the enclosed Sasria
policy wording for more details.
2.
WE WILL ALSO PAY FOR THE FOLLOWING ADDITIONAL BENEFITS:
You will only have the following additional benefits if your vehicle is insured under Risk
Category 1, 2 or 3:
2.1.
Medical expenses
Medical expenses for any occupant in the vehicle who is injured following a motor vehicle
accident which you claimed for, up to R5 000.
2.2.
Loss of keys
The cost of replacing your vehicle’s locks and keys including the remote alarm controller
and if necessary, the reprogramming of any coded alarm system up to an amount of R5 000
any 1 event.
2.3.
New for old
If your vehicle is stolen and not recovered or is damaged beyond economical repair within 1
year of first registration and the vehicle has travelled less than 30 000km we will replace the
vehicle or, at our option, we will pay you up to the current purchase price at the time of the loss
including VAT (and less any appropriate discount) but not more than the sum insured.
2.4.
Bereavement expenses
In the event of an accident resulting in your death within 3 months from the date of the accident
we will pay your estate R5 000 as a contribution to bereavement expenses.
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2.5.
Emergency hotel expenses
In the event of loss of or damage to the insured vehicle we will pay emergency hotel expenses
necessarily incurred by you and 1 passenger up to R250 per person per day for a maximum
period of 2 days and a maximum benefit of R2 000 in any 12 month period of insurance subject
to the loss or damage occurring not less than 250km from your private residence.
2.6.
Vehicle sharing
The acceptance of payment for giving lifts to passengers, when it is part of a vehicle sharing
agreement for social purposes or commuting, will not be regarded as excluded under the Risk
Categories (Description of Use) conditions provided that:
a)
the passengers are not being carried as a passenger-carrying business;
b)
the total payments received for such journeys do not involve any element of profit.
2.7.
Window glass
The claim-free group will not be altered after a claim for replacement or repair to window glass
of your vehicle if there is no other loss or damage to the vehicle.
2.8.
Windscreen excess reducer
The excess, as reflected in your schedule, in respect of the windscreen or window glass of your
vehicle will be reduced to nil.
2.9.
Alteration to vehicle for carriage of wheelchair
In the event that you, or any member of your immediate family residing with you, become
permanently disabled resulting directly from an accident or assault, hijack or attempted hijack,
involving the vehicle and as a result you are permanently dependent on a wheelchair for mobility,
we will contribute towards the costs of alterations to your vehicle to facilitate the carriage of a
wheelchair, provided that:
a)
our liability for such costs will not exceed R10 000;
b)
this payment will apply once only, will not apply to more than 1 injured person and will
also be applicable to the insured vehicle only.
2.10.
Car radio
Following loss or damage, we will repair or replace your car radio and sound equipment/
accessories (excluding any tapes/CDs), provided that:
a)
the maximum amount payable is R10 000 for any 1 claim;
b)
you must provide satisfactory proof to us that such radio/sound equipment was fitted
to the vehicle prior to the loss;
c)
there will be no cover if there is no evidence of visible, forcible or violent entry into your
vehicle;
d)
you will be responsible for the excesses as stated in the schedule.
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3.
YOU MAY ALSO CHOOSE TO BE COVERED FOR:
You will only be covered for the optional extensions if selected and it is shown in your
schedule:
3.1.
Vehicle accessories
Any vehicle accessories, which are not standard factory-fitted attachments, will only be
covered if noted separately in your schedule, included in the sum insured and premium has
been charged. You must provide satisfactory proof to us that such accessories were fitted to
the vehicle before the loss.
3.2.
Deposit cover
Where we regard your vehicle as uneconomical to repair and write your vehicle off, or if your
vehicle is stolen or hijacked and not recovered, we will pay you a benefit of 10% of the sum
insured but not exceeding R50 000, towards the deposit for the purchase of a replacement
vehicle provided that:
a)
this section is in force covering the vehicle at the time of the loss;
b)
the benefit will only become payable to you once the underlying claim has been settled
by us.
3.3.
Car Hire (loss or damage)
a)
We will pay the actual car hire charges including the cost of delivery for the delivery of
a vehicle (not exceeding 1600cc engine capacity) on an unlimited distance basis but
excluding the cost of fuel and lubricants:
i)
if your vehicle cannot be driven following loss or damage caused by an
insured event;
ii)
while your vehicle remains unrecovered following theft.
b)
The period of hire must commence not later than 30 days from the day on which:
i)
your vehicle was handed to the motor trade for repair; or
ii)
the theft of your vehicle is reported to us.
c)
The period of hire must terminate:
i)
the day you regain possession of your vehicle;
ii)
the day we discharge our liability for the total loss of your vehicle; or
iii)
after a maximum period of 30 days whichever occurs first.
d)
This optional extension is subject to the proviso that the order for the hire of a vehicle
must be placed through and authorised by us and you accept any terms and conditions
imposed on you by the car hire company.
3.4.
Credit shortfall
a)
If any vehicle which is comprehensively insured under this section is:
i)
stolen or hijacked (and not physically returned to us); or
ii)
damaged and the assessed cost of repairs exceeds 70% of the reasonable
retail value.
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We will pay to the registered finance company that financed the purchase of the vehicle any
difference between the reasonable retail value and the settlement balance outstanding under a
valid credit agreement subject to the total payment not exceeding the limit of indemnity shown
in the schedule less the excess.
b)
THE SETTLEMENT BALANCE OUTSTANDING means the payment due at any
specified date that would settle the actual debt owing to the finance company but
excluding:
i)
payment and interest in arrears;
ii)
any additional finance charges;
iii)
early settlement penalties;
iv)
any other amounts refundable to you;
v)
any legal costs owing to the finance company by you.
c)
Cover under this extension is subject to:
i)
liability having been admitted for loss or damage in terms of Own Damage
Section – Insured Events;
ii)
you providing us within 30 days of the loss or damage a copy of the credit
agreement and a statement of your account reflecting the settlement balance
outstanding as at the date of loss or damage.
4.
YOU ARE ALSO COVERED FOR:
4.1.
Liability Section – Insured Events
4.1.1.
We will pay for all sums for which you may be legally liable as a result of an accident
involving the vehicle, in respect of:
a)
death or bodily injury to other persons;
b)
damage to property.
4.1.2. You are also covered while driving a vehicle which does not belong to you or a member
of your household provided that:
a)
this vehicle is not purchased, leased or hired by you under a credit or similar agreement;
b)
it is not covered by any other insurance policy;
c)
damage to this vehicle is excluded.
4.1.3. We will also cover any person using your vehicle with your permission provided that
such person:
a)
is not covered by any other policy;
b)
is subject to the terms of the policy as far as they would apply to you;
c)
has not been refused any motor vehicle insurance.
4.1.4. We will also cover your legal liability for the death or bodily injury of a third party or
loss or damage to third party property, caused by a vehicle, trailer or caravan towed by
your vehicle, but excluding:
a)
damage to the vehicle, trailer or caravan being towed;
b)
death or injury to any person in or on a towed vehicle, caravan or trailer;
c)
loss, damage, death or injury if the vehicle being towed is being towed for reward.
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4.1.5. The maximum limits of our liability in respect of 4.1.1. to 4.1.4. above are:
a)
R1 000 000 for fire and explosion for 1 event or series of events arising from 1 incident;
b)
passenger liability R1 000 000;
c)
any other 1 insured event R3 000 000.
4.2.
What we will not pay for under liability to third parties:
a)
death or bodily injury to any person travelling on or mounting onto or dismounting from
the vehicle whether they are fare paying passenger or not;
b)
death or bodily injury to any member of your household;
c)
death or bodily injury to an employee of yours or your family who is killed or injured in
the course of such employment;
d)
damage to any property belonging to or held in trust by or in the custody or control of
you or your family;
e)
liability which is covered by any compulsory motor vehicle legislation.
5.
CLAIM-FREE GROUP (NO CLAIM REBATE)
If you have not made any claims under your policy during a period of insurance as set out below
and immediately before the renewal or anniversary date, the renewal premium will based on
the applicable claim-free group discount as indicated below:
CLAIM-FREE PERIOD
CLAIM-FREE GROUP
The preceding year (first year of insurance)
1
The preceding two successive years
2
The preceding three successive years
3
The preceding four successive years
4
The preceding five successive years
5
The preceding six or more successive years
5
Other than as stated above
0
If any claims are made in terms of this section during a period where a claim-free group applies
the claim-free group will reduce by 2 in respect of each claim made. Where no claims have been
made the claim-free group will increase by 1 for each subsequent renewal up to a maximum
of 5.
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6.
THIRD PARTY, FIRE AND THEFT COVER
This cover applies only if stated in the schedule as “Third Party, Fire and Theft”.
YOU ARE COVERED FOR:
6.1.
Own Damage Section – Insured Events
We will pay for loss or damage to the vehicle described in the schedule caused by or as a result
of fire, lightning, explosion, theft or attempted theft or hijack. If the vehicle has been stolen or
hijacked, we will replace the vehicle, or at our option we will pay you the Sum Insured as stated
in the schedule or the reasonable retail value, whichever is the lesser. In all cases we reserve
the right to determine the place of such repair or replacement.
The following additional benefits under the Own Damage Section Insured Events,
Additional Benefits and Extensions are not included:
a)
accident damage to the insured vehicle;
b)
towing charges;
c)windscreen;
d)
loss of keys;
e)
medical expenses.
6.2.
Third party liability
Cover provided as described under 5. Liability Section – Insured Events.
7.
THIRD PARTY ONLY COVER
This cover applies only if stated in the schedule as “Third Party Only”.
7.1.
Third party liability
Cover provided as described under 5. Liability Section – Insured Events.
The following additional benefits under the Own Damage Section Insured Events,
Additional Benefits and Extensions are not included:
a)
own damage – any loss or damage to the insured vehicle;
b)
towing charges;
c)
car hire;
d)
loss of keys;
e)
medical expenses;
f)
emergency hotel expenses;
g)
bereavement expenses;
h)windscreen;
i)
windscreen excess reducer;
j)
credit shortfall;
k)
cover for car radio/sound equipment.
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MOTORCYCLE SECTION
This section gives cover to motorcycles, scooters, off road motorcycles and 3 and 4 wheeled motorcycles
(quads) and cruisers as well as motorcycle trailers as specified in the schedule. This section may be
extended to cover track days for Classes B, C and D motorcycles provided that written notice is given
to us before to the event.
1.
YOU ARE COVERED FOR:
1.1.
Own Damage Section – Insured Events
In the event of loss or damage to your motorcycle, we will pay for:
a)
cost of repairs to the motorcycle described in the schedule as a result of accident,
fire, storm, hail damage, theft or attempted theft, hijack or malicious damage. If the
motorcycle has been stolen or hijacked or if the motorcycle is deemed by us to be
a write-off, we will replace the motorcycle, or at our option we will pay you the sum
insured as stated in the schedule or the reasonable retail value, whichever is the lesser.
In all cases we reserve the right to determine whether to pay for your motorcycle to be
repaired; replace your vehicle or pay you the cash amount equal to the loss or damage
and to determine the place of the repair or replacement of your motorcycle;
b)
removal and storage charges up to R1 500;
c)
repairing or replacing (at our option) your windscreen, head, tail or spot lights;
d)
additional benefits to the policy.
DEFINITIONS
RETAIL VALUE means the Retail price determined by that month’s issue of the “Motorcycle Dealers’
Guide” published by TransUnion Auto Information Solutions and adjusted according to the “Kilometre
and Condition Chart” contained in the guides.
Where the particular make and model of the motorcycle is not reflected in the guides, the average value
given by 3 independent motor industry sources will be used as the value of the motorcycle.
1.2.
Sasria (South African Special Risks Insurance Association)
You are also covered for Riot and Special Risks cover for insured events which happen in the
RSA provided by Sasria Limited. You are covered for loss and damage, including malicious
damage, caused by any person or group of people acting in a riot, strike, lock out, civil commotion
or any other act with a political, social or economic aim. Please refer to the enclosed Sasria
policy wording for more details.
2.
YOU ARE ALSO COVERED FOR:
You are also covered for the following additional benefits which are included at no extra cost:
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2.1.
Loss of keys
We will pay for the cost of replacing your motorcycle’s locks and keys including the remote
alarm controller and if necessary, the reprogramming of any coded alarm system as a result of
the keys being lost or damaged up to an amount of R1 000 any 1 event.
2.2.
New for old
If the motorcycle stated in the schedule is stolen and not recovered or is damaged beyond
economical repair within 1 year of first registration and the motorcycle has traveled less than
30 000km we will replace the motorcycle or, at our option, we will pay you up to the current
purchase price at the time of the loss (including VAT and less any appropriate discount) but not
more than the sum insured stated in the schedule.
3.
YOU MAY ALSO CHOOSE THE FOLLOWING RESTRICTED COVER OPTION:
3.1.
Optional limited usage
If you selected this option and it is stated in the schedule, you will be entitled to a premium
discount provided that you only use the motorcycle on weekends and on Public holidays. Cover
during any other time is excluded unless agreed by us in writing before riding the motorcycle.
4.
YOU ARE ALSO COVERED FOR:
4.1.
LIABILITY SECTION – Insured Events
4.1.1.
We will pay for all sums for which you may be legally liable as a result of an accident
involving the motorcycle, in respect of:
a)
death or bodily injury to other persons;
b)
damage to property.
4.1.2. You are also covered while riding a motorcycle which does not belong to you or a
member of your household provided that:
a)
it is not purchased, leased or hired by you under a credit or similar agreement;
b)
it is not covered by any other insurance policy;
c)
damage to the said motorcycle is excluded.
4.1.3. We will also cover for any person using your motorcycle with your permission provided
that such person:
a)
is not covered by any other policy;
b)
is subject to the terms of the policy as far as they would apply to you;
c)
has not been refused any motorcycle insurance.
4.1.4. The maximum limits of our liability in respect of 4.1.1. to 4.1.3. above are:
a)
R1 000 000 for fire and explosion for 1 event or series of events arising from 1 incident;
b)
any other 1 event R2 500 000;
c)
passenger liability – Nil.
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4.2.
We will not pay liability to third parties for:
a)
death or bodily injury to any person travelling on or mounting onto or dismounting from
the motorcycle whether they are fare paying passenger or not;
b)
death or bodily injury to any member of your household;
c)
death or bodily injury to an employee of yours or your family who is killed or injured in
the course of such employment;
d)
damage to any property belonging to or held in trust by or in the custody or control of
you or your family;
e)
liability which is covered by any compulsory motorcycle legislation.
5.
SPECIFIC CONDITIONS RELATING TO MOTORCYCLES
If you do not comply with these conditions, then it is likely that your claim will not
be paid:
a)
any motorcycle insured under this policy must be kept behind a locked gate or in a
locked garage overnight;
b)
you must tell us of any additional accessories that will increase the value of the
motorcycle. The retail value of any additional accessories will be added to the sum
insured and the premium will be adjusted accordingly;
c)
the motorcycle must be inspected by an inspection agent approved by us within 48
hours of the inception of the policy or as otherwise agreed by us in writing, failing which
all cover in respect of theft or hijacking will be forfeited. You will not be entitled to a
refund premium.
6.
SPECIFIC CONDITIONS RELATING TO OFF ROAD, 3 AND 4 WHEELED MOTORCYCLES
(QUADS)
a)
b)
c)
d)
Theft cover is provided only if the motorcycle is kept in a locked garage overnight.
Accident cover is only provided while in transit on a registered and licensed trailer,
excluding any loss or damage to the motorcycle while it is being loaded or off loaded
from the trailer. Accident damage cover is not provided while the motorcycle is in use.
Third party cover is limited to loss or damage caused to third parties in the event of the
motorcycle being dislodged from the trailer while in transit.
Cover is provided for fire, which is caused by external means and excludes loss or
damage by fire caused by mechanical, electrical or electronic breakdowns, failures or
breakages.
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7.
YOU ARE NOT COVERED FOR:
These are Specific Exceptions which apply to motorcycles
We will not pay for any loss, damage, death, injury or liability that is caused by or
results from any of the following:
a)
racing, speed or other contests, trails or rallies;
b)
participation in Superbike Schools Class A;
c)
theft of accessories unless the entire motorcycle was stolen at the same time;
d)
where the insured motorcycle is used for business purposes unless the driver has
obtained an Advanced driver’s licence for motorcycles.
8.
YOUR RESPONSIBILITIES
These general conditions apply to the entire motor and motorcycle sections which you
must comply with to ensure that you will be covered:
8.1.
Countries where you have cover
Your vehicle is covered in the RSA, Namibia, Botswana, Zimbabwe, Lesotho and Swaziland.
The policy is subject to the exclusive jurisdiction of the South African Courts and any payment
shall be in South African currency. If your vehicle is damaged outside the RSA, it must be
brought back to the RSA at your own cost before we will consider your claim.
8.2.
Prevention of loss
You must take all reasonable steps to maintain the vehicle, motorcycle, caravan or trailer in a
roadworthy condition and guard against loss or damage at all times.
8.3.
Change of details
You must inform us in writing if any of the policy details or declarations are incorrect or if any
of these details or declarations have changed, including if the address where you usually keep
the vehicle, as this influences the continual acceptance of the policy, risk or any claim.
8.4.Rights
No person other than yourself or your finance company has or may obtain any rights under
your policy. We may elect to pay the finance company and such payment will be valid and
effectual as if made to you.
8.5.Salvage
In the event of our having paid a total loss claim, all payments received for the sale of the
vehicle, motorcycle, caravan and trailer or its salvage shall be for our benefit, whether the
vehicle is a total loss or is damaged beyond economic repair.
8.6.
Regular driver
You must inform us who the regular driver of the vehicle or motorcycle is and we must be told
should the regular driver change before or after the acceptance of the policy.
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8.7.
Insurable interest
If you are not the regular driver of the vehicle or motorcycle you will, if required, have to prove
your insurable interest in the vehicle.
8.8.
Modifications
Unless you have notified us in writing of any modification or alteration to your vehicle or
motorcycle, or any other material facts affecting the risk and we approve such modification,
alteration or fact, all cover under this policy will be cancelled.
8.9.
Spare parts
If a part required for the repair of the vehicle or motorcycle is not available in the RSA as a
standard (ready-made) part, we will pay an amount equal to the value of the part at the time
when the loss or damage occurred. The amount includes the reasonable cost to transport the
part (excluding air transport). The value of the part will be determined according to the price
stated in the most recent catalogue or price list relative to the vehicle or motorcycle.
8.10.
Vehicle security requirements
The vehicle security requirements in respect of motor vehicles, light delivery vehicles and
motorcycles are set out in your schedule. Please refer to this schedule for full details. However,
the following conditions must be complied with at all times:
a)
proof that the required and approved tracking device or system or any other form of
vehicle security has been installed must be provided to us in writing at the inception
of the policy or section, or as otherwise agreed in writing. If this requirement is not
complied with you will have no cover for theft and hijacking;
b)
it is your responsibility to ensure that the service agreement with any such vehicle
tracking company is maintained at all times and that in the event for any reason you:
i)
cancel your service agreement;
ii)
fail to pay any subscription due under that agreement;
iii)
fail to ensure that the vehicle is linked up to the tracking service and that the
vehicle tracking unit is operational and armed at all times we will not cover
your for loss or damage arising out of theft and hijacking;
c)
unless you have notified us in writing of any modification or alteration to your motor
vehicle or motorcycle, or any other material fact affecting the risk and we accept such
modification, alteration or fact, all cover under this section shall cease.
We or our authorised representatives are permitted to obtain any information from your security
or monitoring services company provided that such company is a Regent approved security,
tracking or monitoring service.
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9.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions that apply to the whole motor and motorcycle
sections:
We will not pay for loss, damage, death, injury or liability that is caused by or results
from or relates to any of the following:
a)
wear and tear, depreciation, rust, mechanical, electrical or electronic breakdowns,
failure or breakages;
b)
damage to tyres caused by braking, punctures, cuts and burst;
c)
damage to the suspension or springs due to uneven roads or surfaces;
d)
where the vehicle is being used for racing, rallies, hiring, carrying explosives, driving
instruction for reward, or if the vehicle is in the custody of the motor trade unless for
the purpose of its overhaul, upkeep or repair, or if the vehicle is designed to carry more
than 10 persons including the driver;
e)
theft of, or loss or damage to vehicle accessories unless you can prove that you owned
or bought them and the accessories were noted in the schedule and included in the
sum insured;
f)
any claim or expenses for towing, recovery or storage of your vehicle unless such
arrangements were made through the Regent Care Line 0800 00 48 48 prior to the
vehicle being towed or uplifted;
g)
where the insured vehicle is not or has not been insured according to the stipulated
Risk Category;
h)where the driver does not have a current, valid and unendorsed driver’s licence (as
defined by South African Law);
i)
if the driver of the vehicle is under the influence of alcohol or drugs or the alcohol
content of the driver’s blood exceeds the legal limit;
j)
where the vehicle is not in a roadworthy condition, in terms of the Road Traffic Act, or
was being used for purposes that are against the law;
k)
death or injury to any person getting on, driving in or getting off a towed vehicle, caravan
or trailer;
l)
any claim that falls within the scope of any compulsory motor vehicle act currently
in force;
m)
where your vehicle has been stolen by another party under false pretence;
n)
where loss, damage or injury has been deliberately caused by yourself or any member
of your household or family, or anybody who acts on your behalf;
o)
if your premium has been discounted due to a no claim bonus, you are not entitled to
payment for any loss or damage until you have produced written proof in the form of
a document signed by your previous insurer certifying as correct the facts upon which
the no claims bonus discount was granted to you;
p)
theft or hijacking where the vehicle has not been fitted with the security requirements
appropriate to the value and type of the vehicle and proof of which has been received
by us before the event giving rise to a claim;
q)
theft of car radio, sound equipment or car telephones, unless you have paid a premium
for the optional extension. The optional extension must be shown on your schedule in
order to be valid;
r)
the moveable contents or personal effects of caravans or trailers;
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s)
t)
legal confiscation of the vehicle by authorities or officials;
vehicles not legally registered in the RSA.
10.CLAIMS
On the happening of any insured event that may give rise to a claim under this policy:
a)
you must immediately notify us of such event and forward a completed claim form
to us. Written notification of a claim must be received by us within 30 days of the date
of loss;
b)
you must report the loss to the police within 48 hours and advise us of the case
reference number;
c)
you must take all reasonable steps to reduce the extent of loss or damage;
d)
you must immediately send us any communications which you receive in relation
to an insured event which may give rise to a claim. We will not be obliged to enter
an appearance to defend the impending legal action if we do not receive the
documentation required;
e)
you must obtain our consent before proceeding with repairs (other than for replacement
or repair of vehicle glass);
f)
you must give us any assistance we require and supply all information and documentation
we may reasonably require within 30 days of such a request, during the process of a
claim and thereafter if necessary;
g)
you must make your vehicle available for inspection by us;
h)
in the case of loss by theft, burglary or vandalism advise the Police immediately;
i)
you must not, without our written consent, incur any expense or negotiate, pay, settle,
admit, reject or make any agreement in relation to any claim;
j)
we will be entitled at our expense and in your name to take any proceedings necessary
to obtain relief from any other party and to take over and conduct the defence and
settlement of any claim. You must provide all reasonable assistance and co-operation;
k)
if we pay the retail value or the agreed value of your vehicle then cover ceases and no
premium is refundable;
l)
you must assist us in identifying the vehicle in the case of a recovery following theft or
hijack. We will reimburse you for any reasonable costs incurred subject to a maximum
of R 2 500;
m)
if repairs have not started within 60 days after authorisation by us due to your actions,
all benefits in respect of such claim will be forfeited.
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11.
CLAIMS PROCEDURE
11.1.
In the event of loss or damage:
a)
do not admit liability to anyone, or negotiate with any person claiming damages from you;
b)
have the vehicle towed to a safe place;
c)
note down the full name and address of any third party involved and the full vehicle
details (including the registration number) of the third party vehicle;
d)
note down the names and addresses of any witnesses;
e)
report the loss to us and the police immediately;
f)
if you receive any summons or notice of impending legal action, notify us immediately
and forward any documentation you have received;
g)
do not give any instructions for repairs unless approved by us in writing;
h)
submit the following documentation to us with a fully completed claim form:
i)
a copy of driver’s licence and driver’s identification book;
ii)
details of the police station and case reference number.
11.2.
If your vehicle has been stolen, hijacked or written-off, also submit:
a)
settlement letter from the credit/lease agreement holder;
b)
cancellation of registration certificate;
c)
spare keys;
d)
SAPS non-recovery letter.
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SECTION 7 – PLEASURE CRAFT
This section refers to any yacht, motorboat or ski boat which consists of the hull (length not exceeding
6m), motors, machinery, equipment, standard fittings and accessories that would normally be sold with
it and is used for social and pleasure purposes only. It is warranted that the vessel is maintained in a
seaworthy condition at all times.
INSURED EVENTS
If the vessel or any part of it is lost, stolen or damaged, we will pay for decide whether to repair,
reinstate or replace the vessel. In all cases we reserve the right to determine the place of such repair,
replacement or reinstatement, subject to the maximum limit of the sum insured or the reasonable
market value, whichever is the lesser.
We will also pay for costs and expenses reasonably incurred in minimising or averting a loss that would
have resulted in a claim under this policy.
In respect of any 1 accident or series of accidents arising out of 1 event the maximum amount payable
shall not exceed the sum insured stated in the schedule with a maximum limit of R250 000.
1.
YOU ARE COVERED FOR:
a)
b)
c)
d)
e)
f)
g)
h)
Loss or damage to the vessel due to accident, fire, theft or malicious acts.
Theft of outboard motor(s) provided that it is securely locked onto the vessel by an
anti-theft device.
Theft of machinery and equipment if stolen with the vessel or following visible, forcible
and violent entry into the vessel or place of storage.
The reasonable cost to store, safeguard and remove the vessel to the nearest repairer
if the vessel is not in working order due to loss or damage covered under this section
and for the reasonable costs incurred to prevent or minimise any loss or damage.
The reasonable costs for salvage charges incurred in raising or attempting to raise a
sunken vessel.
Medical expenses up to an amount of R5 000 due to accidental bodily injury to any
person inside or on the vessel as a result of the vessel sinking or being in a collision
with another vessel or with an external object other than water.
If the vessel is subject to a hire purchase or lease agreement, any payment to such
finance provider shall be as valid and effectual as if payment was made to you.
Fire or explosion on a vessel fitted with inboard machinery provided that the vessel is
equipped in the engine room or engine space, tank space and galley, with an automatic
fire extinguishing system which must be properly installed and maintained in efficient
working order.
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1.1.
Sasria (South African Special Risks Insurance Association)
You are also covered for Riot and Special Risks cover for insured events which happen in the
RSA provided by Sasria Limited. You are covered for loss and damage, including malicious
damage, caused by any person or group of people acting in a riot, strike, lock out, civil commotion
or any other act with a political, social or economic aim. Please refer to the enclosed Sasria
policy wording for more details.
2.AVERAGE
If at the time of loss or damage, the cost of replacing the vessel at the reasonable market value
exceeds the sum insured stated in the schedule, you will be responsible for the rateable portion
of the loss or damage, for example:
Claim amount
R50 000
Sum insured
R250 000
Replacement cost of vessel
R500 000
Average calculation
R250 000 x R50 000
R500 000
Claim settlement
R25 000
Financial loss to you
R25 000
3.
LIABILITY TO THIRD PARTIES
We will cover you for all sums for which you may become legally liable due to an
occurrence which happens or arises in connection with the vessel, only while you
navigate the vessel, and including claimants’ costs and expenses in respect of:
a)
death or bodily injury to any person or damage to property;
b)
any attempted or actual raising, removal or destruction of the wreck of the vessel or
any neglect or failure to raise, remove or destroy same;
c)
expenses incurred by you by reason of your interest in the vessel described in the
schedule in connection with official enquiries and inquests;
d)
legal costs and expenses incurred in defending any action or contesting liability,
provided that such costs and expenses are incurred with our written consent;
e)
all sums for which you shall become legally liable to pay in connection with accidents
due to or alleged to be due to first aid treatment administered or made available by you;
f)
In respect of any 1 claim or series of claims arising out of 1 event, our maximum limit
of liability is R2 500 000.
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4.EXCESS
Please refer to your schedule to find the excess amounts applicable to this section.
5.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions which apply to the Pleasure Craft Section of
the policy:
a)
damage to vessels that are not seaworthy;
b)
loss of or damage to jet skis, wet bikes and other similar watercraft and any third party
liability claims arising from the operation of a jet ski, wet bike or similar watercraft;
c)
wear and tear, mechanical, electrical or electronic breakdown (unless damage was as
a result of collision), depreciation and deterioration from use, moth, vermin or rust;
d)
the cost of any defect in repair or alteration work carried out for your account or any
maintenance related costs;
e)
the cost of a glitter or decorative finish other than to the surface area actually damaged;
f)
loss or damage to moorings, nets, diving and fishing gear and other sports equipment,
binoculars, sextants, nautical books and maps or any other navigational equipment,
personal effects and consumable stores, fuel, radar, fish-finders, radios, televisions or
any electronic equipment, the property of the insured or any other person aboard the
insured vessel;
g)
loss of or damage to sails and protective covers split by the wind or blown away while
set, unless occasioned by the vessel being stranded or in a collision or in contact with
any external substance other than water or as a consequence of damage to the mast
and boom to which the sails are attached;
h)
the dropping off of outboard motors unless the motors are bolted or chained to a
permanent fixture in the hull;
i)
damage due to scratching, bruising or denting arising during transit by road or during
loading or off loading;
j)
loss of or damage to the vessel which occurs outside the RSA or outside a 20km range
from the shores of the RSA;
k)
any liability, loss of or damage to the vessel should the vessel be used for any purposes
other than private and pleasure purposes;
l)
loss or damage whilst towing or salvaging another vessel other than 1 in distress;
m)
participating in racing or speed tests, or any trials in connection therewith;
n)
use of the vessel as a houseboat, or for hiring or chartering;
o)
theft of inflatable craft when deflated unless following visible forcible and violent entry
into the vessel or place of storage;
p)
loss or damage to any part condemned solely because of a fault in the design or
construction of the vessel;
q)
death or bodily injury in respect of any person employed in any capacity by you in
connection with the vessel or similarly employed by any water skier;
r)
death or bodily injury in respect of any members of the same household as you or any
person being a member of your family;
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s)
t)
u)
v)
w)
x)
death or bodily injury in respect of fare-paying passengers and loss of or damage to
their property;
accidents arising from any person engaged in paragliding or other airborne sport whilst
being towed by the vessel or preparing to be towed;
loss, damage or injury to third parties arising while the vessel is in transit by a
mechanically propelled road vehicle, rail, ship or aircraft;
fines or other penalties imposed under any statutory code or common law in respect
of any offence committed;
death or bodily injury to any person operating or employed by the operator of a shipyard,
repair yard, slipway, yacht club, marina, sales agency or similar organisation;
damage to motors as a direct result of blockage of the water intake or cooling system.
6.
SPECIFIC CONDITION RELATING TO PLEASURE CRAFTS
Warranted that the vessel shall not be used by you in contravention of the regulation relating to
small vessels and amended from time to time, published in terms of the Merchant Shipping Act
1951, National Small Vessel Safety Regulations 2007 or any subsequent similar legislation.
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SECTION 8 – PERSONAL COMPUTERS
This section refers to computer(s), including keyboards monitors, printers and other accessories,
described in the schedule, belonging to you.
1.
YOU ARE COVERED FOR:
a)
b)
c)
d)
If the property insured is physically damaged and can be repaired we will pay for
the cost of the repair less the excess, or the sum insured less the excess whichever
is the lesser.
If the property insured is lost or physically damaged and cannot be repaired we will pay
to replace it with an item of equal performance and/or capacity or, if this is not possible,
we will pay to replace it with an item having the nearest equivalent performance and/or
capacity to the property lost or damaged, less the excess or the sum insured less the
excess whichever is the lesser.
If you are unwilling or unable to replace the property insured or fail to replace within 6
months of the date of loss or damage the amount payable will be the market value of
the property insured immediately before the loss or damage.
If at the time of loss or damage the replacement value of the property insured as new
is greater than the sum insured you will be your own insurer for the difference and will
bear a rateable proportion of the loss or damage.
2.
INSURED EVENTS
WE WILL PAY FOR:
2.1.
Material damage
Physical loss of or damage to the property insured stated in the schedule from any cause not
specifically excluded.
2.2.
Recompilation of data and/or reinstatement of programmes
All costs and the expenses necessarily and reasonably incurred in the recompilation of data
and/or programmes recorded on data carrying media which is lost as a result of accidental
erasure subject to a limit of R5 000 in respect of any 1 occurrence or series of occurrences
arising out of any 1 event.
2.3.
Incompatibility cover
We will pay for costs incurred in respect of:
a)
modifications or alterations to the property insured directly following loss or damage
covered by insured event 2.1. to ensure the operating integrity of the computer;
b)
replacement of legal programmes to achieve compatibility with the modified or altered
computer, provided such programmes have been listed as insured programmes and a
replacement value declared therefore;
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c)
d)
e)
f)
g)
2.4.
the restoration of previously captured data which has become inaccessible due to the
modifications to or alterations of the computer or in consequence of the replacement
or upgrading of legal programmes;
the costs allowed for in a), b) and c) above will be necessarily and reasonably incurred
to maintain normal working conditions;
such additional costs will be incurred as a direct result of loss or damage covered in
terms of insured events 2.1. and 2.2.;
the cover given in terms of this section will be restricted to:
i)
parts or components of the computer system which are not covered by insured
event 2.1.;
ii)
programmes or data reinstated and not covered under insured event 2.2.;
the amount paid, in respect of any 1 event, will not exceed R5 000.
Sasria (South African Special Risks Insurance Association)
You are also covered for Riot and Special Risks cover for insured events which happen in the
RSA provided by Sasria Limited. You are covered for loss and damage, including malicious
damage, caused by any person or group of people acting in a riot, strike, lock out, civil commotion
or any other act with a political, social or economic aim. Please refer to the enclosed Sasria
policy wording for more details.
3.EXCESS
Please refer to your schedule to find the excess amounts applicable to this section.
4.
YOU ARE NOT COVERED FOR:
The following are Specific Exceptions which apply to the Personal Computer section of
the policy:
a)
In respect of material damage
i)
loss or damage provided for under any maintenance or lease arrangement;
ii)
loss or damage caused:
a.
by vermin, moths or gradually operating causes;
b.
during any process of cleaning or upgrading;
c.
by legal confiscation;
d.
by wear or tear, development of poor contacts, scratching of painted
or polished surfaces;
e.
by viruses, trojans, worms or other similar destructive media;
iii)
derangement unless accompanied by physical damage otherwise covered by
this section;
iv)
parts having a short life such as (but not limited to) cathode ray tubes, fuses or
sacrificial buffer circuits. If these parts are damaged as a result of damage to
other parts we will indemnify you for the residual value of these parts;
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v)
b)
property lost from an unattended motor vehicle unless the property was
concealed in a locked boot or compartment forming part of a locked vehicle
and there is evidence of violent or forcible entry to the vehicle.
In respect of recompilation of data and programmes
Accidental loss caused by programme error, viruses, trojans, worms or other similar
destructive media, incorrect entry or the inadvertent cancellation or corruption of data.
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SECTION 9 – EXCESSES (FIRST AMOUNT PAYABLE)
Please refer to your schedule where all the applicable excesses are set out by section.
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SECTION 10 – REGENT CARE LINE
Regent Care Line offers value added services 24 hours a day, 365 days a year. The benefits are
available to Regent Insurance Company policyholders, their spouse or partner and dependent children
under the age of 21 years, residing in the RSA. By contacting the 24-hour toll free Regent Care Line on
0800 00 48 48, you will have access to the following benefits:
1.
ROADSIDE ASSISTANCE
Roadside Assistance is a 24-hour help line, which provides you with essential services when
you have a roadside emergency within the borders of the RSA. Emergency roadside repairs or
towing services will be provided and the benefits apply to all motor vehicles, motorcycles, 4x4
vehicles and light delivery vehicles with a gross vehicle mass of not more than 3 500kg.
YOU ARE COVERED FOR:
a)
b)
c)
d)
e)
f)
Mechanical and electrical breakdown of your vehicle – at the discretion of the
case manager, a repair service for minor roadside repairs or a towing service may be
requested. Your vehicle will be towed to the nearest place of repair for safekeeping,
assuming the car cannot be repaired immediately. Vehicles will be towed from home or
assisted at home. Note that you will not qualify for an additional tow from your home –
for example, if your vehicle was towed to the nearest place of safekeeping (e.g. home),
the additional tow the next day to the place of repair will be for your own account.
Flat battery (jump start) – restart service shall be rendered where a vehicle has
become immobilised due to a faulty battery. If a replacement battery is required, the
towing cost to the service provider will be for your own account. Assistance will also
be provided at non-roadside locations. Repeat assistance will only be rendered if you
have not had the opportunity to replace the battery due to battery outlets not being
open on the same day.
Flat tyre (tyre change) – assistance will also be provided at non-roadside locations.
In the event of a flat tyre where there is no spare tyre and/or tyre change equipment in
the vehicle, a tow-in can be arranged for your own account. Such service shall exclude
any costs for the repair of any tyre, parts, wheel balancing or similar charges.
Your vehicle running out of fuel – 10 litres of fuel will be supplied.
Keys being locked in vehicle – covers locksmith call out fee and 1 hour’s labour.
Locksmith service shall be limited to reasonable services to open the vehicle and shall
exclude all parts, components, keys or key cutting costs and other similar charges.
Keys broken off in the door or ignition – covers locksmith call out fee and 1 hour’s
labour. In the event of the service provider being unable to resolve the problem at such
a location, the cost of any additional assistance such as tow-in costs, will be for your
own account.
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In addition to Roadside Assistance, you also receive the following services:
g)
h)
Map Assist – 24-hour telephonic access to route directions in all major metropolitan
areas or enroute guidance in general.
Message relay service – we will contact a relative or business colleague, informing
them of your situation.
THE FOLLOWING SERVICES CAN BE ARRANGED AT YOUR OWN COST:
A locksmith if you lose your keys, if they are not locked inside your vehicle; a spare tyre if you
have a flat tyre but no spare tyre to replace it with; a tow-in service if your vehicle operates with
a ‘smart/transponder’ key, and this key is lost; overnight accommodation; car hire (in the event
of a rented vehicle being requested, you will be required to provide credit card details to the
car hire company for security purposes. The service and type of vehicle required can only be
supplied according to availability).
YOU ARE NOT COVERED FOR:
a)
b)
c)
d)
e)
f)
Any vehicle not specified in your policy.
The cost of repair or replacement of parts, new batteries, tyres, locks, keys, etc.
The cost of towing or repairs, if we do not request the service on your behalf.
Commercial vehicles used for conducting a business or trade.
If the vehicle is not registered under the Road Traffic Act, or similar legislation applicable
to vehicles in the RSA.
Where the vehicle is unroadworthy or is clearly in a state of neglect.
PLEASE NOTE: In the event of misuse/abuse of the above services, e.g. running out of fuel
often, these benefits will be suspended at our discretion or the discretion of the service provider.
2.
ACCIDENT MANAGER – ACCESS
In the event of an accident, call the Regent Care Line on 0800 00 48 48 and the following will
be taken care of:
a)
conference call facility involving medical personnel, case manager and legal advisor to
ensure comprehensive service and attendance;
b)
arrangement for the insured vehicle to be towed by a reputable, approved towing
contractor;
c)
arrangement for the insured vehicle to be towed to an approved, reputable panelbeater;
d)
your Regent Insurance policy covers you for towing costs as the result of an accident,
provided that you have called the Regent Care Line for assistance;
e)
calls to SA Police or Traffic Authority should this be requested. An ambulance will be
dispatched, if necessary;
f)
arrangement of transport back home or to place of work for the driver and passengers
of the insured vehicle, either via the towing service provider or alternative transport.
Your policy does not cover this expense and will be arranged at your own cost;
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g)
h)
i)
j)
immediate access to telephonic legal advice;
a replacement vehicle will be arranged on condition you have taken the additional
optional cover, alternatively for your own account;
informing family or employer of the accident and relaying of messages on request;
resolving disputes with appointed contractors where loss or additional damage has
occurred.
3.
CLAIMS ASSISTANCE
A 24-hour dedicated toll-free advice line will provide you with the following benefits:
a)
basic information regarding claims procedures and requirements;
b)
claim forms will be forwarded via e-mail or facsimile;
c)
authorisation of windscreen and glass claims;
d)
obtain details and notify policy administration of any requested amendments to contact
details, items covered, benefit limits, etc.;
e)
in the event of a hijacking or theft, we are able to notify your tracking company, if
applicable.
4.
TRAUMA LINE
By contacting the 24-hour trauma line, you will be assisted immediately by a trained professional
counsellor for the following incidents:
a)hijacking;
b)burglary;
c)
medical emergency;
d)
any other violent and non-violent form of trauma.
4.1.
The following assistance may be provided:
a)
telephonic counselling to the survivor and/or family members;
b)
referral to a counsellor, if appropriate;
c)
face-to-face counselling to the value of R5 000 per family, per annum at the trauma
counsellor’s discretion and subsequent referral.
5.
MEDICAL ADVICE LINE
Personal Health Advisor is a revolutionary healthcare system designed to offer you the peace
of mind that comes with knowing you have access to a professional assistance service that will
deal with any health query 24 hours a day, 365 days a year. Merely dial the toll-free number,
0800 00 48 48, and highly experienced and friendly nurses identify the nature of the situation,
supplying the required information using a sophisticated computer database.
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5.1.
5.2.
The personal health advisor will:
a)
assess your symptoms and refer you to the appropriate type of healthcare;
b)
provide you with health knowledge on any aspect of health;
c)
provide expert counselling on any chronic ailment or disease and help you to manage
and live with your condition or that of a loved one;
d)
in the event of a medical emergency, provide appropriate first aid advice to enable a
caller to provide assistance until medical support arrives;
e)
provide expert information on medicines;
f)
access to poison and drug database;
g)
provide general medical information such as dietary assistance, inoculations etc.
The audio health library
You can call personal health advisor and listen to over 500 practical and easy-to-understand
topics ranging from tonsillitis and moles to cancer and hepatitis B.
5.3.
Medical emergency ambulance or evacuation service
A 24-hour medical emergency assistance help-line, which will arrange for the appropriate
assistance required in the event of a medical emergency, within the borders of the RSA.
A medical emergency is a life-threatening situation such as a heart attack, drowning, snakebite
or bodily injury (i.e. gunshot wound or motor accident injury).
By contacting the 24-hour Regent Care Line toll-free number, 0800 00 48 48, you will
receive the following assistance:
a)
a ground or air ambulance will be dispatched, if medically justified;
b)
emergency telephonic medical information until medical assistance arrives at the scene;
b)
where necessary, inter-hospital transfers will be arranged;
d)
referrals to doctors and other facilities;
e)
emergency message transmission;
f)
arrangements for compassionate visit by a family member;
g)
arrangements for the escorted return of minors after an accident;
h)
repatriation of mortal remains to an appropriate facility in the normal area of residence
after an accident.
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SECTION 11 – DOMESTIC EMPLOYEES COMPENSATION PLAN (A VALUE ADDED PRODUCT)
The cover afforded by this section is conditional upon Section 2 Householders having been
effected with us and remaining in force at all times.
1.
DOMESTIC EMPLOYEES COMPENSATION PLAN
1.1.Insurer
The Domestic Employees Compensation Plan is underwritten by Regent Insurance Company
Limited (we or us or our) and administered by RSI Risk Solutions International (PTY) Limited
(Reg No 1991/07265/07).
1.2. Policyholder
The employer (you or your) with whom the insured person has entered into a contract of
employment, whether written or verbal, as a domestic employee.
1.3.
Duration of cover
The cover remains in force for as long as the insured person remains in your service, subject
to the payment of the premium in terms of the policy.
1.4.Exceptions
a)
No payments will be made if the accidental injury or death was due to intentional
self-injury.
b) Cover does not extend to the insured person’s spouse, howsoever married, or children
or other dependants.
1.5.
Termination of cover
Cover terminates when the contract of employment between the insured person and you
is terminated by either party irrespective of the reason for the termination. Cover will also
terminate on non-payment of the premium in terms of the policy.
1.6.
Insured persons
Full-time, part-time or casual domestic employees, including housemaids, gardeners, chauffeurs,
child-minders and the like, who have entered into a contract of employment, whether written or
verbal, with you.
1.7.
Defined events
Accidental injury or death arising out of and in the course of employment while on duty in your
service as a domestic employee or while on your premises, sustained directly as a result of
violent, accidental, external and visible means if such injury shall be the sole and direct cause
of death and disablement within 24 months of the accident.
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2.BENEFITS
Accidents resulting in
Benefit
1. Death
R15 000
2. Permanent disablement
The percentage of R15 000 (maximum
benefit) in accordance with the Table of
Permanent Disablement.
3. Medical expenses
An amount of R100 for each day, which is
defined as a 24 hour period, encompassing
midnight spent in hospital, to a maximum
of 130 days per annum.
An amount of R2 000 for out-of-hospital
medical expenses. An excess of R100 will
apply to each claim.
4. Emergency medical transportation
All reasonable costs (up to R500) of an
ambulance to transport the injured domestic
employee to the closest nearest hospital/
emergency medical facility, in the case
of an emergency, following the accident.
Total permanent loss of the use of a limb as a result of a defined event shall be treated as the
loss of the limb.
Any injury as a result of a defined event to the left arm or hand and, in the case of a left
handed insured person, to the right arm or hand, may at our discretion be rated at 90% of the
percentage indicated in the table.
If there are 2 or more injuries the sum of the percentages may be increased at our discretion,
but not beyond 100% of the maximum stated benefit of R15 000.
3.
TABLE OF PERMANENT DISABLEMENT
Injury
Percentage
Loss of two limbs
100%
Loss of both hands, or all fingers and both thumbs
100%
Total loss of sight
100%
Loss of eye – whole
30%
Loss of eye-sight
30%
Loss of eye – loss of sight except perception of light
30%
Total paralysis
100%
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Injury
Percentage
Injuries resulting in employee permanently bedridden
100%
Any other injury causing permanent total disablement 100%
Loss of arm at shoulder
65%
Loss of arm between elbow and shoulder
65%
Loss of arm at elbow
55%
Loss of arm between wrist and elbow
55%
Loss of hand at wrist 50%
Loss of four fingers and thumb of one hand 50%
Loss of four fingers 40%
Loss of thumb – both phalanges 25%
Loss of thumb – one phalanx
15%
Loss of index finger – three phalanges
10%
Loss of index finger – two phalanges 8%
Loss of index finger – one phalanx
5%
Loss of middle finger – three phalanges 8%
Loss of middle finger – two phalanges
6%
Loss of middle finger – one phalanx 4%
Loss of ring finger – three phalanges
6%
Loss of ring finger – two phalanges
5%
Loss of ring finger – one phalanx
3%
Loss of little finger – three phalanges
4%
Loss of little finger – two phalanges
3%
Loss of little finger – one phalanx 2%
Loss of metacarpals – first, second or third
Additional 4%
Loss of metacarpals – fourth or fifth
Additional 2%
Loss of leg at hip
70%
Loss of leg above knee
70%
Loss of leg below knee
45%
Loss of toes – all
15%
Loss of toes – big, both phalanges
7%
Loss of toes – big, one phalanx 3%
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Injury
Percentage
Loss of all toes other than big toes
7%
Loss of four toes
5%
Loss of three toes
5%
Loss of two toes
3%
Loss of one toe
1%
Loss of hearing – both ears
50%
Loss of hearing – one ear
7%
4.CONDITIONS
4.1.
Claims procedures and requirements
a)
If an event giving rise to or likely to give rise to a claim comes to your knowledge you
must notify us within 30 days and as soon as possible to give us:
i)
written details of the event;
ii)
such proofs, information and sworn declarations we may require from time
to time.
b)
If we reject liability for any claim made under this policy we will be relieved of liability
unless summons is served on us within 180 days of rejection.
4.2.Cancellation
The cancellation conditions of the policy to which this section is attached will prevail.
4.3.Jurisdiction
This policy is subject to the exclusive jurisdiction of the courts of the RSA.
4.4.Exceptions
We will not be liable for:
a)
loss, damage or bodily injury deliberately caused by the insured person or any person
acting in collusion with the insured person;
b)
consequential loss or damage except as specifically provided.
5.
CLAIMS PROCEDURE
Telephone RSI on 0861 100 118 to report the claim telephonically and obtain a
claim form.
The following documents are required:
a)
claim form;
b)
medical reports, in the event of injury;
c)
certified death certificate in the event of death;
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d)
e)
6.
All documentation, including invoices for medical treatment, where applicable, must be sent to
RSI at: PO Box 1181, Ruimsig, 1732.
Or hand deliver to:
RSI, Unit 9 & 10, Block D, Ruimsig Country Estate, Hole in One Avenue, Ruimsig, Mogale City,
Gauteng.
THE DOMESTIC EMPLOYER LEGAL HELPLINE AND SETTLEMENT COVER – LEGAL
HELPLINE AND ASSISTANCE – CALL 0861 100 118
a)
b)
c)
d)
e)
f)
6.1.
certified copy of the insured person’s identity document;
copy of the contract of employment or; Affidavit proving that the insured person was
employed by you at the time the claim arose.
Telephonic legal and industrial relations advice during office hours.
30 minute free consultation at the office of an appointed attorney anywhere in
the RSA.
Legal assistance with negotiations and conciliation disputes.
Professional assistance at the CCMA (Commission for Conciliation, Mediation and
Arbitration) as and when allowed.
Legal assistance at arbitration proceedings at the labour court.
Advice regarding and evaluation of contracts of employment to ensure compliance
with the Basic Conditions of Employment Bill (Act no. 75 of 1997 as amended).
Settlement cover
a)
b)
Indemnity
Should you become legally liable to pay compensation as the result of an award or
settlement made against you by the CCMA on behalf of your domestic worker resulting
from a dispute occurring during the period of insurance, RSI will:
i)
indemnify you up to R10 000 for any 1 award of settlement or series of awards
or settlements arising out of 1 event.
Conditions
i)
If an event giving rise to or likely to give rise to a claim comes to your knowledge,
you must notify the Domestic Employer Legal Helpline on 0861 100 118 or at
PO Box 1181, Ruimsig, 1732, within 30 days.
ii)
If we reject liability for any claim made under this section, we will be relieved
of liability unless summons is served on us within 180 days of rejection.
iii)
You must contact the Domestic Employer Legal Helpline to determine what
procedures must be followed in the event of a possible claim.
iv)
There must have been a legally valid contract of employment between you
and the domestic employee at the time of the event giving rise to a claim.
v)
The contract must be a Domestic Employer Legal Helpline approved contract
or it must strictly conform with the requirements of the Basic Conditions of
Employment Bill (Act no. 75 of 1997 as amended).
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SECTION 12 – ALL ASSAULT MEDICAL AND TRAUMA COVER (A VALUE ADDED PRODUCT)
The cover afforded by this section is conditional upon Section 2 Householders having been effected
with us and remaining in force at all times.
1.
ALL ASSAULT MEDICAL AND TRAUMA COVER INCLUDING HIV PROTECTION SERVICE
1.1.Insurer
The All Assault Medical and Trauma Cover is underwritten by Regent Insurance Company
Limited (we or us) and administered by RSI Risk Solutions International (PTY) Limited (Reg no.
1991/07265/07).
1.2.Policyholder
The person (you or your) whose name appears in the schedule.
1.3.
Duration of cover
The cover remains in force subject to the payment of the premium in terms of the policy.
1.4.
Period of insurance
As stated in the schedule.
1.5.
Insured persons
The person in whose name the policy is issued and members of your immediate family normally
residing with you and who are under the age of 23 years and financially dependant on you.
1.6.Assault
Bodily injury sustained by violent external and visible means as a direct result of an assault
necessitating medically indicated treatment diagnosed by a registered medical practitioner
within 3 days of the alleged incident.
1.7.
1.8.
Medically indicated treatment
a)
Medical expenses necessarily incurred by you for the treatment of bodily injury caused
as a direct result of the assault.
b)
Antiretroviral and prophylactic medication/treatment prescribed to possibly avoid
contracting HIV, AIDS, and/or any sexually transmitted disease by you as a direct
result of the assault.
The medically indicated treatment must be prescribed and administered by a registered medical
practitioner.
Psychiatric consultations
Expenses necessarily incurred within 6 months of the assault for medically recommended
psychiatric consultations including psychological treatment and counselling prescribed by a
registered medical practitioner as a direct result of the assault.
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2.
YOU ARE COVERED FOR:
a)Assault
i)
R5 000 per insured person with a maximum of R10 000 per occurrence in
respect of Medically Indicated Treatment.
ii)
R5 000 per insured person with a maximum of R10 000 per occurrence in
respect of Psychiatric Consultations.
Provided that in respect of Medically Indicated Treatment no compensation will be
payable for antiretroviral and/or prophylactic medication if you are HIV positive at the
time of the treatment.
3.
WE WILL NOT PAY FOR:
4.
GENERAL CONDITIONS
4.1.
Claims procedure and requirements
a)
If an event giving rise to or likely to give rise to a claim comes to your knowledge you
must notify us within 30 days and as soon as possible give us:
i)
written details of the event;
ii)
such proofs, information and sworn declarations we may require from time
to time.
b)
If we reject liability for any claim made under this policy we will be relieved of liability
unless summons is served on us within 180 days of rejection.
Compensation will not be payable as a result of your:
a)
participation in any riot, civil commotion, labour disturbance, strike or lockout or public
disorder or any act or activity which is calculated or directed to bring these about;
b)
wilful misconduct;
c)
performance or attempt to perform:
i)
any act which is calculated or directed to bring about destruction or damage
or bodily injury in order to further any political aim, objective or cause, or to
bring about any social or economic change or in protest against any state
or government or any provincial, local or tribal authority for the purpose of
inspiring fear in the public or any section thereof.
4.2.Cancellation
The cancellation of the policy to which this section is attached will prevail.
4.3.Jurisdiction
This section is subject to the exclusive jurisdiction of the courts of the RSA.
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4.4.Exceptions
We will not be liable for:
a)
any claim which is in any way fraudulent;
b)
loss, damage or bodily injury deliberately caused by you or any person acting in
collusion with you, consequential loss or damage except as specifically provided.
5.
HOW TO CLAIM
Telephone RSI on 0861 100 118 to report the claim telephonically and obtain a claim form.
All documentation, including invoices for medical treatment, where applicable, must be sent to
RSI at:
PO Box 1181, Ruimsig, 1732
Or hand deliver to:
RSI, Unit 9 & 10, Block D, Ruimsig, Country Estate, Hole in One Avenue, Ruimsig, Mogale City,
Gauteng.
The following documents are required:
a)
claim form;
b)
medical reports, in the event of injury;
c)
certified copy of your identity document.
6.
HIV PROTECTION SERVICE
The HIV protection service provides you with peace of mind because, in the event of an assault,
you and your family have access to world-class hospital care and to treatment and diagnostic
regimes for the management of the consequences of rape, trauma and HIV, The HIV protection
service provides access to assistance in circumstances relating to:
a)assault;
b)rape.
The HIV protection service enables you to make use of, at your discretion, the following services
which can be paid out of the defined benefit of the section:
a)
24-hour access to the all-assault helpline on 0861 100 118;
b)
24-hour access to trauma counsellors, providing telephonic trauma counselling as well
as counselling for post-traumatic stress disorder;
c)
3 consultations (per incident) with a specialist, either a general practitioner, traumatrained registered nurse or trauma counsellor;
d)
3 HIV blood tests (per incident): 1 immediately after the event and the second and third
at 6 weeks and 3 months respectively. Should you be HIV positive at the time of the
initial blood test, further testing is prohibited.
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Provided that exposure has been established, and strictly on the treating doctor’s orders, if you
are HIV negative (following a rapid test) you will also be provided with access to:
a)
a 30-day starter pack of antiretroviral medication;
b)
a 7-day course of STI medication;
c)
a “morning-after” pill to prevent pregnancy;
d)
R2 000 admission deposit guarantee to hospital (fully refundable);
e)
registration for an HIV management programme, where applicable;
f)
24 hours a day, 365 days a year telephonic access to an HIV counselling centre for
information and advice.
Should you be HIV positive at the time of the event, you will be provided with access to:
a)
24 hours a day, 365 days a year telephonic trauma counselling;
b)
24 hours a day, 365 days a year telephonic HIV counselling;
c)
3 consultations (per incident) with a specialist, either a general practitioner, traumatrained registered nurse or trauma counsellor;
d)
the “morning-after” pill to prevent pregnancy;
e)
a 7-day course of STI medication.
Signed on behalf of the Insurer at Johannesburg
Underwritten by Regent Insurance Company Ltd., a short-term insurer,
company reg. no.: 1966/007612/06 and an authorised Financial Services Provider,
FSP 25511.
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SASRIA LIMITED
Reg. No. 1979/000287/06
ANNEXURE 4 (01-2010)
COUPON POLICY FOR SPECIAL RISKS INSURANCE
In consideration of the prior payment of the premium stated in the coupon and the receipt thereof by or
on behalf of Sasria Limited,(hereinafter called the Company) and subject to the underlying policy being
current and valid at the effective date as stated in the Schedule, the Company will by payment or at its
option by reinstatement or repair indemnify the insured during the Period of Insurance up to an amount
not exceeding the total sum insured in respect of each item and not exceeding in the aggregate during
the said Period of Insurance, the total insured value, or the aggregate limits of liability as stated in the
proviso hereunder, whichever is the less against loss of or damage to the property insured directly
related to or caused by:­
i)
any act (whether on behalf of any organisation, body or person, or group of persons) calculated
or directed to overthrow or influence any State or government, or any provincial, local or tribal
authority with force, or by means of fear, terrorism or violence;
ii) any act which is calculated or directed to bring about loss or damage in order to further any
political aim, objective or cause, or to bring about any social or economic change, or in protest
against any State or government, or any provincial, local or tribal authority, or for the purpose
of inspiring fear in the public, or any section thereof;
iii)
any riot, strike or public disorder, or ;any act or activity which is calculated or directed to bring
about a riot, strike or public disorder;
iv) any attempt to perform any act referred to in clause i), ii) or iii) above;
v)
the act of any lawfully established authority in controlling, preventing, suppressing or in any
other way dealing with any occurrence referred to in clause i), ii), iii) or iv) above.
NOTE:
In this coupon policy, the term “public disorder” shall be deemed to include civil commotion,
labour disturbances or lockouts.
PROVIDED that:­
Notwithstanding anything to the contrary, where 1 Insured is insured by 1 or more current and valid
insurance (other than Contract Works and/or Construction Plant and or Motor) issued by or on behalf
of the Company, the annual aggregate liability of the Company under all such Insurances shall be
limited to the sum of R500 million, or R1,5 billion, if the Insured has chosen the optional Excess of Loss
R1 billion cover, where the property insured is in the RSA.
For this purpose 1 INSURED shall mean:­
a)
any Single 1 Insured, a Holding Company and all it’s Subsidiaries (as contemplated exclusively
by the Companies Act, 1973) or Subsidiary of the Holding Company;
b)
in the case of 1 Insureds other than Companies, the Company reserves the right to determine
who the 1 Insured is for this purpose.
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PROVIDED FURTHER that this insurance does not cover:­
a)
consequential or indirect loss or damage of any kind or description whatsoever, other than loss
of rent if specifically insured, which shall be limited to a period not exceeding that required to
render the building tenantable;
b)
loss or damage resulting from total or partial cessation of work, or the retardation or interruption
or cessation of any process or operation;
c)
loss or damage occasioned by permanent or temporary dispos­session resulting from confiscation,
commandeering or requisitioning by any lawfully constituted authority;
d)
Nuclear/Chemical/Biological Terrorism Exclusion:
it is agreed that, regardless of any contributory cause(s), this insurance does not cover loss(es)
in any way caused or contributed to by an act of terrorism involving the use or release or the
threat thereof of any nuclear weapon or device or chemical or biological agent.
For the purpose of this exclusion an act of terrorism means an act, including but not limited
to the use of force or violence and/or the threat thereof, of any person or group(s) of persons,
whether acting alone or on behalf of or in connection with any organisation(s) or government(s),
committed for political, religious, ideological or personal purposes or reasons including the
intention to influence any government and/or to put the public, or any section of the public in fear.
If it is alleged that by reason of this exclusion any loss (es) is not covered by this Coupon/Policy
the burden of providing the contrary shall be upon the insured.
SPECIAL CONDITIONS
1.
2.
It is a condition precedent to any liability that at the time of the happening of any occurrence
given rise to a loss in terms of this Coupon Policy there shall be in force the Underlying Policy
covering the interest of the Insured in all the property insured by this Coupon Policy against
loss or damage by fire.
All the terms, conditions, exclusions, exceptions and warranties applicable to the Underlying
Policy, other than:
a)
exception Ai), Aiii)b), Aiv), Av), Avi) and Avii) to the extent that Avii) refers to Ai), Aiii)b),
iv), Av) and Avi); and
b)
the Burden of Proof Clause set out in Exception A to the extent that such Clause refers
to the Exceptions listed in a) above;
c)
any excess, deductible or similar payment to be met by the Insured in terms of the
Underlying Policy;
e)
copy paste addition clause on the MD regulations
shall be deemed to be incorporated in this coupon Policy and shall as a condition precedent to
any liability hereunder relate to and be complied with by the Insured accordingly.
MEMORANDUM
The reference to Exceptions Ai), Aiii)b), Av), Avi) and Avii) and to the Burden of Proof Clause
in Exception A is a reference to those Exceptions as they appear in the Standard S.A.I.A.
Exceptions which the Nominated Insurer is obliged to incorporate in his Policy. Should the
numbering in the Underlying Policy not correspond with the numbering of the Standard S.A.I.A.
Exceptions the above references shall apply to the corresponding Exceptions in the Underlying
Policy mutatis mutandis.
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3.
4.
5.
6.
7. If the property covered in terms of the attached Schedule shall at the commencement of any
destruction of or damage to such property by any peril insured hereby be collectively of greater
value than the total sum insured stated herein, then the Insured shall be considered as his own
insurer for the difference and shall bear a rateable share of the loss accordingly. Every item, if
more than one, shall be separately subject to this consideration.
Any adjustment of Premium Clause or Condition in the Underlying Policy shall not be applicable
to this Coupon Policy.
No alteration of this Coupon Policy is valid unless signed by a Director of the Company
Any Reinstatement Value Conditions in the Underlying Policy shall be applicable to this Coupon
Policy except insofar as it relates to Motor Vehicles.
The cover granted by this Coupon Policy shall apply to property situated in the RSA.
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SASRIA LIMITED
Reg. No. 1979/000287/06
MOTOR POLICY OF INSURANCE
FOR SPECIAL RISKS
in respect of vehicle as defined (Anx 15 3-6/07)
--------------------------------THE POLICY
1.DEFINITIONS
1.1.
1.2.
1.3.
1.4.
Sasria means the South African Special Risks Association Ltd, the insurer
The term “vehicle” shall mean:
a)
private type motor cars;
b)
commercial vehicles;
c)motorcycles;
d)buses;
e)trailers;
f)
registered mobile plants;
g)
bus route transit vehicles;
h)
special types (machinery registered for road use, all plant registered for road
use should apply the bus rate for Sasria purposes);
i)forklifts.
The term “total loss” shall mean the total loss, destruction or damage of the vehicle or
where the damage exceeds at least 70% of the reasonable retail value of the vehicle.
The insured shall mean the person, people or juristic entity in whose name the policy
is issued
2.PREAMBLE
The premium for this insurance is shown in the Schedule to this policy. The Schedule forms an
integral part of the policy. If the insured has paid the premium to Sasria and this premium has
been accepted in payment for the insurance, Sasria will indemnify the insured against loss of
or damage to the vehicle described in the Schedule, in accordance with the Defined Events.
Sasria’s liability to the insured will not be for more than the value specified against each vehicle,
or the retail value of the vehicle calculated in terms of the Transunion Auto Dealers Digest,
whichever is the lesser.
In the event of a valid claim, Sasria has the option to repair or replace the vehicle or any
part of it, or may pay the amount of loss or damage in cash. Condition 8.7 of this Policy will
apply to fleets.
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3.
DEFINED EVENTS
The policy provides indemnity for loss or damage caused by:
a)
any act (whether on behalf of any organisation, body, person, or group of persons)
calculated or directed to overthrow or influence any State or government, or any
provincial, local or tribal authority with force, or by means of fear, terrorism or violence;
b)
any act which is calculated or directed to bring about loss or damage in order to further
any political aim, objective or cause, or to bring about any social or economic change,
or in protest against any State or government, or any provincial, local or tribal authority,
or for the purpose of inspiring fear in the public, or any section thereof;
c)
any riot, strike or public disorder, or any act of activity which is calculated or directed
to bring about a riot, strike or public disorder;
d)
any attempt to perform any act referred to in clause a), b) or c) above;
e)
the act of any lawfully established authority in controlling, preventing suppressing or in
any other way dealing with any occurrence referred to in clause a), b) c) or d) above.
Note: In this Policy, the term “Public Disorder” shall be deemed to include civil
commotion, labour disturbances and lockouts.
PROTECTION AND REMOVAL
If the vehicle insured under this Policy is disabled because of any loss or damage
insured in terms of this policy, Sasria will pay the reasonable cost of protection and
removal to the nearest repairers and the reasonable cost of delivery of the vehicle to the
address of the insured in the RSA after repair of such loss or damage.
4.MEMORANDA
4.1.
4.2.
4.3.
Replacement value condition
Where an insured vehicle defined in 1.2. a) and b) is less than 12 month’s old, from
the date of new registration and the vehicle has travelled less than 2 500km per month
on average since the date of first registration as new – then Sasria agrees to bear the
costs of replacing the vehicle with a new vehicle of the same make and model (subject
to the availability thereof) or similar vehicle in the event of the total loss of such vehicle.
This Condition applies only to vehicles not exceeding 3 500kg gross vehicle mass.
If, to Sasria’s knowledge, the vehicle is the subject of a suspensive sale or similar
agreement and the vehicle is written off, stolen or hijacked and the insured is
permanently deprived of the use of the vehicle, payment in settlement of the claim
shall be made to the titleholder, whose receipt shall be a full and final discharge to
Sasria in respect of such loss or damage.
If any part, accessory or fitment needing to be repaired or replace, following insured
damage to the vehicle/s described in the schedule, being unobtainable in the RSA,
Sasria’s liability shall be limited to payment of a sum equal to the value of a standard
ready manufactured part, accessory or fitment at the date of loss or damage, but not
exceeding the maker’s latest list price.
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4.4.
5.
Sasria will only pay up to 10% of the insured value of the vehicle in respect of
accessories fitted in or on the vehicle. If their value does exceed 10% of the insured
value of the vehicle then the accessories must be specified on the Schedule.
LIABILITY FOR DAMAGE TO THIRD PARTY PROPERTY
5.1.
In the event of an accident caused by or in connection with the insured vehicle arising
out of a Defined Event we will indemnify you against all sums including claimant’s
costs and expenses for which you become legally liable for loss of or damage to
property not owned by you, not in your custody and control and not otherwise insured
in terms of insurance provided by Sasria Ltd.
5.2.
We will pay costs and expenses incurred with our written consent.
5.3.
At Sasria’s sole discretion Sasria may arrange for the defence of criminal proceedings
arising from any act related to an indemnifiable event.
5.4.
In terms of liability to third parties as in 5.1 above, we will:
5.4.1. indemnify any person who is driving or using the vehicle with your permission,
provided such person
5.4.1.1. is not entitled to indemnity under any other Sasria Ltd policy;
5.4.1.2. is subject to the terms of the policy as far as they can apply;
5.4.1.3. has not to your knowledge been refused any motor vehicle insurance;
5.4.2. indemnify you while driving a vehicle not owned by you or being purchased,
leased or hired by you under a credit or similar agreement excluding any
damage to such vehicle.
5.5. Limit of indemnity. The liability of Sasria Ltd in respect of any 1 occurrence, including
all costs and expenses, shall not exceed R XXXXXXXXX.
6.EXCEPTIONS
This policy does not cover:­
6.1.
consequential loss as a result of any cause whatsoever ;
6.2.
depreciation in value as a result of any cause whatsoever whether arising from repairs
following a defined event or not;
6.3.
wear and tear and mechanical and/or electrical break­down failure or breakage;
6.4. any loss, damage, cost or expense directly or indirectly arising from detention,
confiscation, forfeiture, impounding or requisition legally carried out by customs, SA
Police Services, crime prevention units or other officials or authorities;
6.5.
loss or damage caused directly or indirectly by or through or in consequence of any
occurrence for which a fund has been established in terms of any War Damage
Insurance and Compen­sation legislation;
6.6.
any loss or damage related to or caused by:­
i) war, invasion, act or foreign enemy, hostilities or warlike operations (whether
war be declared or not) or civil war;
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ii)
mutiny, military rising, military or usurped power, martial law or state of siege, or
any other event or cause which determines the proclamation or maintenance
of martial law or state of siege;
iii) the act of any lawfully established authority in controlling, preventing,
suppressing, or in any other way dealing with any occurrence referred to in
clause i) or ii) above.
6.7.
Nuclear/Chemical/Biological Terrorism Exclusion
Regardless of any contributory cause(s), this insurance does not cover loss of or
damage in any way caused or contributed to by an act of terrorism involving the use of
release or the threat thereof of any nuclear weapon or device or chemical or biological
agent.
For the purpose of this exclusion an act of terrorism means an act, including but not limited
to the use of force or violence and/or the threat thereof, of any person or group(s) of persons,
whether acting alone or on behalf of or in connection with any organisation(s) or government(s),
committed for political, religious, ideological or personal purposes or reasons including the
intention to influence any government and/or to put the public, or any section of the public in fear.
If it is alleged that by reason of these exclusions any loss or damage is not covered by this
Policy, the burden of proving the contrary shall rest upon the insured.
7.
SPECIFIC EXCEPTION
Sasria shall not be liable for any accident, injury, loss, damage or liability incurred while any
vehicle is being driven by the insured or any other person with the general consent of the
insured and who to the insured’s knowledge is under the influence of intoxicating liquor or
drugs (unless administered by or prescribed by and taken in accordance with the instructions
of a member of the medical profession other than himself) or whilst such other person is not
licensed to drive such a vehicle.
However, this shall not apply if the insured was unaware that the driver of the vehicle was
unlicensed and the insured can prove to the satisfaction of the company that in the normal
course of events only licensed drivers are permitted to drive insured vehicles.
8.
SPECIFIC CONDITION
If during the currency of this policy any drivers license in favour of the insured or their authorised
driver is endorsed, suspended, or cancelled, or if he or they shall be charged or convicted of
negligent, reckless or improper driving, notification shall be sent to Sasria in writing immediately
the insured has knowledge of the fact.
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9.CONDITIONS
Claims procedure
9.1.1. On the happening of any loss or damage the Insured shall as soon as
reasonably possible advise the nominated insurer in writing. The insured shall
give the insurer all such proofs and information in connection with the claim as
may reasonably be required.
9.1.2. All events which may give rise to a claim in terms of this policy must be reported
to the South African Police as soon as reasonably possible or in the case of
a vehicle in Namibia at the time of an insured loss to the Namibian Police as
soon as reasonably possible.
9.1.3. In the event of a claim being rejected by Sasria in writing, the insured shall
have a period of 12 months from the date of rejection in which to make
representations to Sasria and, should the matter not be resolved and the
insured exercises the right to institute legal action, to serve legal process on
Sasria and pursue such proceedings to finality. This time-bar period will be
interrupted and suspended when a rejected claim is under consideration by
an Ombud.
9.2.
Subrogation
The insured shall at the request and at the expense of Sasria do and agree to do
and permit to be done all such acts and things as may be necessary or reasonably
required by Sasria for the purpose of enforcing any rights and remedies or of obtaining
relief or indemnity from other parties to which Sasria shall be or would become entitled
or subrogated upon its paying for or making good any loss or damage under the Policy,
whether such acts or things shall be or become necessary or required before or after
the indemnification by Sasria.
9.3.
Contribution
If at the time of any event giving rise to a claim under this policy insurance exists with
any other insurer covering the insured against the same loss or damage, Sasria will be
not be called into contribution with any other insurance.
9.4.Precautions
The Insured shall take all reasonable steps to safeguard against loss or damage to the
vehicle(s) described in the Schedule to this Policy.
9.5.Transfer
Nothing contained in this Policy shall give any rights to any person other than the
Insured. Any condition or extension providing indemnity to any other person other than
the insured shall not give any rights of claim to such person. The intention being that
the insured shall claim on behalf of such person. The receipt of the insured shall in
every case be a full discharge to Sasria.
9.6.Arbitration
If any dispute arises as to the settlement amount to be paid in respect of any claim
under this Policy (liability being otherwise admitted) such dispute shall be referred to
Arbitration in accordance with the Arbitration laws being in force in the RSA, and at
such place as Sasria Ltd may determine. The award of the Arbitor(s) shall be final and
binding on all parties concerned.
9.1.
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Average
In the event of the premium payable to Sasria being calculated using a predetermined
percentage applied to the total value of the fleet of vehicles at the inception of this
insurance and if the total value of such a fleet hereby insured was at the inception of
such insurance of greater value than the total value on risk appearing in the Schedule
to this Policy then the Insured shall be considered as being his own insurer for the
difference and shall bear a rateable share of the loss accordingly.
This clause shall not apply to any vehicle insured on a specified vehicle basis whereby
a standard premium irrespective of value is charged by Sasria.
9.8.
Total loss of vehicle
If any motor car or other vehicle as defined above be treated as a total loss by Sasria
then all cover in terms of this Policy shall terminate from the date of such total loss and
no refund of premium shall be payable to the Insured.
9.9.
Premium
Notwithstanding that the Period of Insurance stated in the Sched­ule to this Policy may
be less than 12 months the minimum premium payable by the Insured shall be the full
annual premium.
9.10.Validity
This Policy is not valid unless the Schedule is countersigned by the Nominated Insurer.
9.11. Alteration of use of vehicle Insured
Sasria shall not be liable in respect of any loss of or damage to the vehicle if at the
time of such loss or damage the vehicle was being used by the Insured or any person
acting with the knowledge and consent of the Insured in any manner which would
ordinarily have required the Vehicle to be insured in a higher rated category than that
used for determining the premium shown in the Sched­ule.
9.12. Territorial limitation
Sasria shall not be liable for any loss or damage occurring outside the RSA other
than in Namibia if the vehicle is in that country for a period of less than 2 consecutive
months from the date of first entry into Namibia or subsequent re-entry into Namibia
following an initial period of no more than 2 consecutive months (60 days) prior to the
loss or damage occurring.
9.13. Cancellation
This Policy may be cancelled at any time at the request of the Insured but in such
cases no refund or pro‑rata refund of premium shall become payable.
9.14. Fraud
If any claim under this policy is in any respect fraudulent or if any fraudulent means or
devices are used by the insured or anyone acting on behalf of or with their knowledge
or consent to obtain any benefit under this policy or if any event is occasioned by the
willful act or with the connivance of the insured, the benefit afforded under this policy
shall be forfeited.
9.15. Misrepresentation
This Policy shall be voidable in the event of any material misrepresentation,
misdescription or non‑disclosure.
9.7.
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Sasria SOC Limited
Reg. No. 1979/000287/06
DISCLOSURES REQUIRED IN TERMS OF RULE 4.3 OF THE POLICYHOLDER
PROTECTION RULES
1.INSURER
Sasria SOC Limited
P.O. Box 653367
47 Wierda Road West
Benmore
Wierda Valley
2010
Sandton
2196
Telephone:(011) 881 1300
Fax:
(011) 783 0781
Email:
[email protected]
Website: www.sasria.co.za
Sasria provides cover in the event of loss of, or damage to property caused by political or
no-political riot, public disorder (including labour disturbances, civil unrest, strikes and
lockouts) and loss or damage to property as a result of terrorism.
The above are not covered in your policy with Regent Insurance Company. Regent will act
as an agent of Sasria should your claim be due to any of the instances listed above.
2.
Sasria COUPON/POLICY
Regent Insurance Company Limited is the underlying insurer who issues your Sasria SOC
Limited Policy on behalf of Sasria.
Regent Insurance Company Limited
146 Boeing Road East
P.O. Box 674
Elma Park
Edenvale
Edenvale
1610
1609
Telephone:0860 734 368
Fax:
(011) 574 2828
Website:www.regent.co.za
3.
CLAIMS PROCEDURES
In order to claim, submit all relevant claim documentation to Regent Insurance Company
Limited, at any of the contact addresses mentioned in Section 2 above.
4.
COMPLAINTS PROCEDURES
If you have a complaint about this policy or Regent, you can submit a complaint in
writing to The Executive Manager: Business Operations Department, Sasria SOC Limited,
P.O. Box 653367, Benmore, 2010.
Complaints e-mail address: [email protected]
5.COMPLIANCE
Compliance Officer:
Ms Nomsa Wabanie
Compliance e-mail address: [email protected]
Compliance Telephone:
(011) 881 1311
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FAIS DISCLOSURE NOTICE
DISCLOSURES REQUIRED IN TERMS OF THE
FINANCIAL ADVISORY AND INTERMEDIARY SERVICES
ACT 37 OF 2002 (“FAIS”)
1.
RegentInsuranceCompanyLimited
146 Boeing Road East
PO Box 674
Elma Park
Edenvale
Edenvale
1610
1609
Telephone:
0860 734 368
Fax:
(011) 574 2828
Website address: www.regent.co.za
Regent Insurance Company is a public company, a registered short­term insurer and an authorised
financialservicesprovider.
2.
ClaimsProcedures
Inordertoclaim,contact0860734368.Regentmustbenotifiedwithin30daysoftheclaimevent.
Ifyouarenotsatisfiedwiththeoutcomeofyourclaim,youmaywritetotheComplaintsDepartment
of Regent at any of the addresses above within 90 days of the claims decision. If you are still not
satisfied,youhaveanadditional6monthsafterexpiryofthe90daystoinstitutelegalactionagainst
Regent. You also have recourse to the Ombudsman for Short­Term Insurance at PO Box 32334,
Braamfontein, 2017.
3.1. ComplaintsProcedures
If you have a complaint about this policy, you can submit a complaint in writing to the Regent Complaints
Department at any of the addresses above, or on Telephone: 0861 268 378, Fax: (011) 579 3599 and
e­mail: [email protected].
If the matter is not resolved to your satisfaction by Regent, you may submit your complaint in writing
to the Ombudsman for Short­term Insurance at PO Box 32334, Braamfontein, 2017. He may also be
contacted on Telephone: 0860 OMBUDS (0860 662 837) or (011) 726 8900, Fax: (011) 726 5501 and
e­mail: [email protected].
3.2 FAISOmbud
If you have a problem with the way the product was sold to you, the disclosures that were made to you
ortheadvicethatwasgiventoyou,youmustcontactRegent.Ifyouarenotsatisfiedwiththereply,
you may submit your complaint in writing to the FAIS Ombud at PO Box 74571, Lynwood Ridge, 0040.
He may also be contacted on Telephone: 0860 OMBUDS (0860 662 837), Fax: (012) 348 3447 and
e­mail: [email protected].
3.3. ComplianceOfficer
ThecomplianceofficerofRegentmaybecontactedatanyofthecontactaddressesofRegentmentioned
above.Inadditionthecomplianceofficercanbecontactedbye-mailatcompliance.st@regent.co.za.
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4.
ImportantMatters
It is very important that you are quite sure that the policy meets your needs and that you feel that
you have all the information you need to make a decision. Feel free to make notes regarding
verbalinformation andaskfor written confirmation or copies ofdocuments. Discloseallmaterial
facts accurately, fully and properly. All information provided by you or on your behalf is your own
responsibility.Youneedtobesatisfiedwiththeaccuracyofanytransactionsubmittedbyanyoneon
your behalf. Do not sign any incomplete or blank documents. No person may insist that you do so.
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Head Office: 146 Boeing Road East, Elma Park, Edenvale, 1609
PO Box 674, Edenvale, 1610
Tel: 0860 734 368 | Fax: + 27 (0)11 574 2828 | Web: www.regent.co.za
DOMESTIC INSURANCE POLICY
ADZOO REG 539 08 - 06 -12
Underwritten by Regent Insurance Company Ltd, a licensed short-term insurer,
Company reg. no.: 1966/007612/06 and an authorised Financial Services Provider,
FSP licence 25511.