Conditions specific to your Specific items cover (all risks)

These conditions are in addition to the General terms and conditions on pages 5 to 14 of this policy. We do not pay for any loss, theft or damage unless the relevant conditions are met.

6.1 Cover your specific items for their replacement value

It is your responsibility to get cover for the new replacement costs of your items. If at the time of a claim the maximum amount of cover is less than the new replacement costs, we will pay the maximum amount of cover or less if the item can be replaced for less.

6.2 Watches and jewellery

Keep watches and jewellery in a safe

You warrant that you keep all jewellery and watches that you do not wear as part of your daily routine and that have a value of more than R10,000 per single item in a locked and hidden safe. This includes watches, gemstones and items made from platinum, gold and silver. The safe must be securely attached to the wall or floor.

If you are staying elsewhere temporarily, this condition applies to those premises to the extent that a safe is available on those premises.

A valuation certificate

You must send us a valuation certificate by a professional jeweller who sets out the condition of all clasps, links and claws, and the value of the jewellery or watch. The certificate must be under three years old and must pre-date the loss or damage. We pay either:

• The value on the certificate if it is equal to or lower than the maximum amount of cover for the item;

• The maximum amount of cover if the value on the certificate is higher than the maximum amount of cover.

If you cannot provide the valuation certificate or proof of purchase, we pay the new replacement cost or cost of repair but not more than 25% of the value you insured the item for.

6.3 Firearms

You warrant that at all times and in all places you comply with the legal requirements for owning, using and safekeeping a firearm. You must keep any firearms that you are not using in a locked and hidden safe. The safe must be securely attached to the wall or floor.

6.4 Items in safety deposit facilities

If an item listed on the schedule is shown as being kept in a safety deposit facility, the cover under this section only applies while the item is in that facility. A safety deposit facility includes a bank safe.

6.5 Pairs and sets

We do not pay for the special value that a pair or set might have. If one item in a pair or one part of a set is stolen, lost or damaged, we pay only for that item.

6.6 Pedal cycles

We pay for damage to pedal cycles caused by racing, pacing and trail runs but not if used for professional reasons.

When a pedal cycle is not at the home and while you are not using it, you must keep it and its accessories attached by a security device to either:

a. A permanently fixed structure;

b. A carrier attached to your motor vehicle.

If you do not, we do not pay for loss or damage to this item.

6.7 Wheelchairs

We pay for damage to wheelchairs caused by racing, pacing and trail runs.

When a wheelchair is not at the home and while you are not using it, you must keep it and its accessories attached by a security device to either:

a. A permanently fixed structure;

b. A carrier attached to your motor vehicle.

If you do not, we do not pay for loss or damage to this item.

6.8 Caravan and trailer contents

We will pay you for the contents of caravans and camper trailers if they are specified in the schedule. We cover your insured item while it is in the caravan, camper trailer or in an attached tent.

We do not cover:

a. A theft of insured item while the caravan and attached tent is unattended, unless there are visible signs of forced entry;

b. Theft of insured item from the camper trailer or trailer and attached tents, unless there are visible signs of forced entry;

c. Permanent fittings of the caravan, camper trailer or trailer. Permanent fitting are items that were fitted by the manufacturer of the caravan or camper trailer;

d. Loss or damage caused by fraud or dishonesty by a person who has borrowed or hired the caravan or trailer;

e. The terms and conditions we list under “events we do not cover” in this section also apply to the contents of caravans, camper trailers, trailers and attached tents.

6.9 Horse riding equipment

If the horse riding equipment is not stored at the home, we will pay for theft only if there was violent and forcible entry into or exit from the premises where it is stored.

6.10 Stamp, medal and coin collections

Stamps

We pay the lower amount of:

• The value of any stamp as stated in a published catalogue current at the time of the loss or damage;

• The maximum amount of cover shown in the schedule.

Coins and medals

If a coin collection is specified in the schedule, we pay the lower amount of:

• The value of any coin as stated in a published catalogue current at the time of the loss or damage;

• The maximum amount of cover shown in the schedule.

We do not pay at all for current coins.

6.11 Musical instruments

We pay for theft, loss or damage while musical instruments are in transit in a vehicle. You must check the conditions for items in an unattended vehicle, caravan or trailer in paragraph 4.2 and 4.3 above. If the instrument is not in the home, we do not pay for loss or damage caused by a person tampering with the musical instrument with or without your permission. This is whether in your presence or when the musical instrument is left unattended.

We do not pay for broken strings, reeds or drumheads.

6.12 Riots and strikes outside South Africa and Namibia

What you are covered for

Under this extension, we pay for loss or damage directly caused by:

a. Civil commotion, labour disturbances, riots, strikes or lockouts that occur outside of South Africa and Namibia;

b. The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any occurrences referred to in (1) above.

This extension does not cover:

a. Loss of or damage to property occurring within South Africa or Namibia; b. Consequential loss or damage;

c. The total or partial stopping of work or the slowing, interrupting or stopping of any process or operation;

d. Loss or damage caused by a lawful authority permanently or temporary taking away the insured items, for example, through confiscation, commandeering or requisition; e. Loss or damage related to or caused by any occurrence referred to in general terms

and conditions.

If we state that loss or damage is not covered under this policy for these reasons, you will have to prove the contrary if you wish to proceed with a claim under it.

7. How we pay

We may decide to do one or more of the following: 7.1 Pay the costs to repair the loss or damage; 7.2 Replace the stolen, lost or damaged item; 7.3 Pay cash for the stolen, lost or damaged item.

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