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General Terms and Conditions Continued...

We will not compensate you for a claim when you or a member of your household, or anybody who acts on your behalf, deliberately causes the loss, damage or injury. We will also not compensate you if a claim is fraudulent in any way.

We do not compensate you for:

Any claim for loss, damage, death, injury or liability which is caused by or results from:

Riots, wars, political acts, public disorder, terrorism or any attempted such acts:

• 1. Civil commotion, labour disturbances, riot, strike, lock-out or public disorder or any act which is calculated or directed to bring about any of the above .
• 2. War, invasion, act of foreign enemy, hostilities or warlike operations ( whether war be declared or not ) or civil war.
• 3. 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.
• 4. Any act ( whether on behalf of an organisation, body, person or group of persons ) calculated or directed or influence any state or government or provincial, local or tribal authority with force or by means of fear, terrorism or violence.
• 5. 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.
• 6. Any attempt to perform any act referred to in clause (4) or (5) above.
• 7. The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any occurrence referred to in any clauses (1) to (6) above.

Things that happen for which the damage is covered by law:

Any occurrence for which a fund has been established in terms of the War Damage Insurance and Compensation Act 1976 ( No. 85 of 1976 ) of the Republic of South Africa or any similar act operative in any of the territories to which your policy applies

Nuclear substances:

Nuclear weapons material, ionising radiations or contamination by radioactivity form any nuclear fuel, or from any nuclear waste, or from the combustion of nuclear fuel which includes any self-sustaining process of nuclear fission.

Nationalisation:

Nationalisation, confiscation, commandeering or requisition by any lawfully constituted authority.

Work stoppage:

Stoppage or slowing down of work, process or operation.

If we say that a claim is not covered because of any of the general exclusions above, them you must prove the contrary.

Deterioration and breakdown:

Failure, breakage or rust, wear and tear, depreciation, perishing, fading, mechanical or electrical breakdown.

Contractual liability:

Any loss arising form any contractual liability.

Consequential Loss:

Consequential loss or damage, except where we specifically state that damage or loss of this nature will be covered.

South African Special Risk Insurance Association:

SASRIA cover covers you for any accidental or international damage to your property caused by any person or group of people taking part in a riot, strike, lock-out, public disorder, civil commotion or committing any act which has a political, social or economic aim, objective or cause, or in protest against any state or government. This is limited to things happening in South Africa. The SASRIA master policy is kept by us and is available on request.

SASRIA does not cover loss or damage which is caused by:

• 1. Consequential or indirect means.
• 2. A stoppage or deliberate slowing down of work.
• 3. Your property being disposed of or confiscated by any lawful authority.
• 4. An act of terrorism involving the use or release or the threat of any nuclear weapon or device or chemical or biological agent.

If SASRIA does not pay your claim, it is your duty to prove that you were covered.

Undertaking in respect of the Ombudsman

We have given the Ombudsman for Short-term Insurance a written undertaking that we will always abide by his formal rulings in respect of any matter referred to him by a client.

The Ombudsman for Short-term Insurance can be contacted on (011) 726 8900 or at P.O.Box 32334, Braamfontein, 2017.

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