DOMESTIC INSURANCE POLICY

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Head Offi ce: 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

ADZOO REG 539 08 - 06 -12

DOMESTIC INSURANCE POLICY

Underwritten by Regent Insurance Company Ltd, a licensed short-term insurer, Company reg. no.: 1966/007612/06 and an authorised Financial Services Provider,

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TABLE OF CONTENTS PAGE INTRODUCTION 2

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 58

(A VALUE ADDED PRODUCT)

SECTION 12 – ALL ASSAULT MEDICAL AND TRAUMA COVER 63

(A VALUE ADDED PRODUCT)

SASRIA – POLICY OF INSURANCE FOR SPECIAL RISKS 67

SASRIA – MOTOR POLICY OF INSURANCE FOR SPECIAL RISKS 70

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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 under writing 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) You consent to such information being stored in the shared database and used as set out above.

d) You consent to such information being given to any insurer or its agent.

e) You consent to any underwriting information being verified against and shared with legally recognised sources or data bases.

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. Prevention of loss

You must take all reasonable steps necessary to prevent or reduce loss, damage, injury or liability.

1.4. 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. 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.

1.7. 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.

1.8. 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.

1.9. 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.

1.10. 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.

1.11. 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

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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

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g) 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.

h) Asbestos – any claims, directly or in any way involving asbestos, or any materials containing asbestos in any form or quantity.

i) Seepage and pollution – this policy does not cover loss or damage caused by seepage, pollution, and contamination.

j) 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.

k) 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 Replacement cost of R375 000

property property

Average calculation R250 000 x R50 000 Average calculation R150 000 x R35 000

R500 000 R375 000

Claim settlement R25 000 Claim settlement R14 000

Financial loss to you R25 000 Financial loss to you R21 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

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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.

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.

2.16. 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;

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d) loss of or damage to:

i) retaining walls caused by flood; ii) Ioose gravel paths and coverings;

e) 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;

f) defects where the design or construction of the building causes or contributes to the damage, or any faulty or defective design, materials or workmanship;

g) damage or destruction arising directly or indirectly from mining operations or a rise in the underground water table or pressure caused by it;

h) 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;

i) 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.

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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 Replacement cost of R375 000

property property

Average calculation R250 000 x R50 000 Average calculation R150 000 x R35 000

R500 000 R375 000

Claim settlement R25 000 Claim settlement R14 000

Financial loss to you R25 000 Financial loss to you R21 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. 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.

3.18. 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:

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c) 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;

d) 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

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;

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h) defects where the design or construction of the building causes or contributes to the damage;

i) property more specifically insured; j) landlord’s fixtures and fittings;

k) coins of any description, securities, postage stamps, deeds, bonds, bills of exchange, promissory notes, cheques, manuscripts and medals;

l) loss or damage occurring outside the territorial limits;

m) 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;

n) consequential loss of any nature; o) any amount in excess of 1_/

3 of the Householders sum insured for the total value of

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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.

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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

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) 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.

b) DEATH means death occurringwithin 12 consecutive months of the accident.

c) BODILY INJURY means bodily injury caused by violent, accident, external and visible means. d) ACCIDENT means an accident that is the direct cause of bodily injury being sustained.

e) 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 100%

of one or more limbs or the complete or irrecoverable loss of all sight in one or both eyes

Loss of four fingers 70%

Loss of thumb – both phalanges 25%

– one phalanx 10%

Loss of index finger – three phalanges 10%

– two phalanges 8%

– one phalanx 4%

Loss of middle finger – three phalanges 6%

– one phalanx 2%

Loss of ring finger – three phalanges 5%

– one phalanx 2%

Loss of little finger – three phalanges 4%

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In the event of an accident causing Percentage payable Loss of metacarpal – first or second (additional) 3%

– third, fourth or fifth 2%

– (additional)

Loss of toes – all on one foot 30%

– great, both phalanges 15%

– great, one phalanx 2%

– other than big, if more 1%

– than one toe lost, each

Loss of hearing – both ears 100%

– one ear 25%

Loss of – whole eye 100%

– sight of eye 100%

Loss of – sight of one eye, except 75%

– perception of light

Loss of – speech 100%

Injuries resulting in total paralysis or permanent disablement 100% or in being permanently bedridden

Permanent disfigurement from burns of

a) 100% of the head and neck 50%

b) 100% of the surface area of the remainder of the body 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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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) 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;

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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. 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.

1.4. 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

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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;

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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: a) Risk Category 1: Private – vehicles used only for social, domestic and pleasure purposes

including travel to and from work.

b) Risk Category 2: Strictly private – vehicles used only for social, domestic and pleasure purposes excluding travel to and from work.

c) Risk Category 3: Business – vehicles used for your business or occupation.

d) 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.

e) 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.

f) Risk Category 6: Private – any caravan or trailer used only for social, domestic and pleasure purposes.

g) 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.

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DEFINITIONS

a) 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. b) 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.

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;

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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.