Understanding The Policy Book or Terms and Conditions In Not So Small Print
Introduction
Welcome to the modern way of insuring your goods. It is easy, it is direct, it
puts you in control and you can be rewarded for being responsible and managing
your actions, by getting some bucks back.
Dial Direct is part of the UK Dial Direct group. General Terms & Conditions
Home Contents
Under this section you may claim for items stolen from or damaged at your home.
What you pay when you claim - the excess(es)
Every time something happens for which you claim, you must pay the Basic Excess.
You must also pay any of the Additional Excesses on the schedule, on top of the
Basic Excess.
We will compensate you for:
Loss of or damage to the household goods and personal possessions that you and
your family members who live with you, have inside your home or the outbuildings
at the address on the schedule.
Loss or damage caused by fire, lightning, explosion, malicious damage, impact
with your home and outbuildings (room(s) without direct access to your house),
falling trees (but not while they are being felled), earthquake (but not from
mining operations), storm, flood, the bursting or overflowing of geysers,
equipment or pipes, break-in and theft.
The maximum compensation for the following items is stated on your schedule.
Food that deteriorates
Food that deteriorates because of a power failure or if your fridge or freezer
breaks down.
Washing and garden furniture stolen
Washing and garden furniture stolen while in the open at your home.
Your guests’ belongings
Your guests’ belongings stolen at your home.
Money stolen from your home
Money stolen from your home as long as we can see the damage caused by the
break-in.
Personal documents, coins and stamps
Loss of personal documents, coins and/or a stamp collection.
Locks and keys
Locks and keys if they are lost or damaged.
Credit cards or bank cards
The fraudulent use of your credit cards or bank cards.
A hole-in-one
A hole-in-one on a recognised golf course.
Your, and/or your spouse’s death
Your, and/or your spouse’s death if it is caused by a
fire or a break-in at your home.
Your domestic employee’s belongings
Your domestic employee’s belongings, but if stolen, only when we can see the
damage caused by the break-in into the outbuildings.
Medical expenses
Medical expenses because of an injury that was caused by a defect in your
buildings or by your household pet. We will not compensate you for injuries of a
household member, but we will compensate you for your domestic employee’s
injuries.
Veterinary expenses
Veterinary expenses if your household pet is injured in a road accident.
Rent to live elsewhere
The rent that you have to pay to live elsewhere if you cannot live in your home
because it was damaged by anything covered by the policy.
Belongings in a removal truck
Your belongings if they are in a removal company truck and it is involved in an
accident. We will also compensate you for damage caused by fire, lightning and
explosion while your belongings are in transit or stored in a registered
furniture warehouse.
Accidental breakage of mirrors and glass
Mirrors and glass which are part of a stove, oven or furniture, when broken by
accident.
Accidental breakage of television set
A television set, when broken by accident, but not when it breaks down
mechanically or electrically.
Fire brigade charges
Fire brigade charges for a fire at your home.
Public liability as a householder
If you are legally responsible we will compensate you:
1) if any person other than you or a member of your family who lives with
you, or someone who works for you, is injured or dies accidentally.
2) if the property of any person is accidentally damaged, but is not yours
nor that of a member of your family who lives with you, nor that of someone who
works for you. Something that does not belong to you or your family, but which
you are looking after, is not insured.
3) the recoverable legal costs of the person who claims against you.
Tenant’s liability as a householder
If you are legally responsible we will compensate you:
1) for damage to the buildings that you are renting and the landlord’s things
fitted to the buildings, caused by anything covered by this policy.
2) if sanitaryware, or fixed panes of glass break by accident.
3) if water, gas and sewerage pipes or electricity or telephone connections of
the buildings or outbuildings break by accident.
Liability to Domestic Employees
If you are legally responsible we will pay if your domestic employee is injured
or dies because of an accident that happened at your home while he/she was
working.
We do not compensate you:
Various documents, money etc.
Deeds, bonds, bills of exchange, promissory notes, money, cheques, stamps,
documents of any kind, manuscripts, medals and coins, rare books, vehicles
or their sound systems, accessories or parts, animals, watercraft, trailers or
caravans.
Items specifically insured
Items you insured more specifically with us.
Fire damage to a thatch roof building
Fire damage if your home or outbuildings have a thatch roof, unless the
schedule states that it is covered.
Damage to non-approved buildings
Any damage if the relevant local authority did not approve or would not have
approved the construction of the building.
Goods used solely for business
Goods and effects which you use solely for business, professional or trade
purposes.
Borehole and swimming pool equipment
Items stolen from your garage or outbuildings
We will only compensate you for items stolen from your garage or outbuildings if
we can see the damage caused by the break-in.
Communal living
Any loss or damage if more than two unrelated people live in your home and it is
a commune.
Claims for death, injury or damage which is caused by, happens from, or are due
to your:
1) ownership, possession or use of aircraft, vehicles or watercraft.
2) ownership of land or buildings.
3) pursuit or exercise of any trade, business or profession.
4) possession of an animal, other than a cat or dog or a
horse which you ride for pleasure.
5) use of a weapon.
6) intentional or malicious act.
What happens if you are under-insured
The amount for which you insure your belongings must be their replacement value.
The replacement value is what it will cost you, at the time of a claim, to
replace all your belongings with similar new ones. If you claim, we will
calculate the replacement value you should have insured yourself for. If you
insured them for less than that, we will only pay a part of your claim, e.g.:
CLAIM R 10 000
INSURED FOR R 50 000
REPLACEMENT VALUE R100 000
UNDER-INSURANCE CALCULATION R10 000 x R50 000 R100 000
CLAIM PAYMENT R 5 000
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