Understanding The Policy Book or Terms and Conditions In Not So Small Print
Introduction
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your actions, by getting some bucks back.
Dial Direct is part of the UK Dial Direct group. General Terms & Conditions
These terms and conditions apply to all aspects of your Policy.
What makes up your Policy of Insurance
The schedule, terms and conditions, together with any correspondence sent to
you, as well as any verbal agreements we make, form the Policy of Insurance
between you and us. Please ensure that you are familiar with the contents of all
the documents and that all the detail noted on the Schedule is correct in every
respect.
How we compensate you
Subject to the terms of your policy, we have the option to either pay, replace
or repair (or any combination of these) through a supplier or repairer of our
choice.
Policy changes and cancellation
We may change or cancel your policy by giving you 30 days notice. We may give
notice verbally, by fax or by post to your last known address. Any change or
cancellation which you make will be effective from the time and date agreed to.
Premium payments
Your policy is a monthly policy, and you must pay the monthly premium in advance
on the deduction dates as they are stated on the schedule.
Premiums not received
If we do not receive the premium for a policy on the deduction date(s) as stated
on the schedule, you will not have any cover for the period for which you did
not pay. From the second month’s due payment we will allow a 15 day period of
grace, for payment of the premium. If we do not receive the premium for two
months in a row, the Policy will cancel immediately.
Reinstatement of interrupted cover
When cover is interrupted because we did not get your premium, we have the right
to debit your account to reinstate your cover. We will then charge a
reinstatement fee and debit your account with it as soon as possible. In
addition to the reinstatement fee, you must also pay the premium for the cover
to re-commence.
Your obligations
If you do not fulfill any of the following obligations, cover may be cancelled.
Your obligations are to:
1) give us true and complete information.
2) agree to comply with all our reasonable requests.
3) use all reasonable care and take all reasonable precautions to prevent or
minimise loss, damage, death, injury or liability.
4) not admit any fault, nor make any offer or settlement, without our written
agreement.
5) inform us if any of the Policy details or declarations are incorrect or if
any of these details or declarations change.
6) tell us if you change the address where you usually keep the items we insure.
7) tell us about anything which you have not yet disclosed, but which may be
important for us to know in order to accept the Policy, or about anything that
changes which may be important for us to continue accepting the Policy.
Important time limits
We will only compensate you for a claim if you:
1) inform us and give us full details of anything that has happened that you may
claim for, within 60 days.
2) report anything which is lost or stolen to the Police, within 48 hours.
3) give us any documents that you receive in connection with any claim, within
30 days.
4) give us all the information and documentation which we may ask for, within 30
days.
Disputed claims
After we inform you of our decision on a claim, we will allow you 90 days to
make representations to us about our decision. If we do not compensate you for a
claim or a part of it, and you want to challenge our decision, you must serve
legal process on us within 90 days after the time we allow for representations
on disputed claims.
Proof
When you claim, we can ask you to prove ownership and value of the things you
claim for.
Contribution
If a claim is also covered by another policy, we will only compensate you for
our portion.
Deliberate or fraudulent act
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:
Any claim for loss, damage, death, injury or liability which is caused by or
results from:
Riots, wars, political acts, terrorism or any attempted such acts
any riot, strike or public disorder (including civil commotion, labour
disturbances or lock-out) or any act or activity resulting in or calculated to
bring about riot, strike or such disorder.
2) war, invasion, act of foreign enemy, hostilities or warlike operations
(whether war be declared or not).
3) mutiny, military uprising, military or usurped power, martial law, 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 or threat of 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 political, 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 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
of 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
from any nuclear fuel, or from any nuclear waste, or from the combustion of
nuclear fuel which includes any selfsustaining 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, then 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 from any contractual liability.
Consequential loss
Consequential loss or damage except as we specifically insure.
South African Special Risk Insurance Association
SASRIA cover covers you for any accidental or intentional damage to your
property caused by any person or group of people taking part in a riot, strike,
lock-out, civil commotion or committing any act which has a political, social or
economic aim. This cover is limited to things happening in South Africa. The
SASRIA master policy is kept by us and is available on request.
What is not covered by SASRIA
SASRIA does not cover loss or damage which is caused by:
1) indirect means.
2) a stoppage or deliberate slowing down of work.
3) your property being disposed of or confiscated by any lawful authority.
4) any lawful authority when dealing with riots, civil commotion or other
political, social or economic act, war and warlike acts.
5) looting and theft.
Proof
If we do not pay your SASRIA claim, it is your duty to prove that you were
covered.
Undertaking in Respect of the Ombudsman
We will always abide by the formal rulings of the Ombudsman for Short-Term
Insurance in respect of any matter referred to him by a client.
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