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
Portable Possessions
Under this section you may claim for items you
normally carry with you which are lost or damaged.
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 your jewellery, clothing and the personal items which you
and your family members who live with you, normally wear or carry with you. If
an item is worth more than R1 500, it must be specified before we will
compensate you for it.
Something that does not fit the description of the items above, but only if we
agreed to insure it and it is specified on the schedule.
Bicycles, prescription glasses, contact lenses, cellular phones, borehole and
swimming pool equipment only if they are specified on the schedule.
We do not compensate you:
Loss, damage or deterioration because of moth or vermin, cleaning, ironing,
repairing or restoring.
Loss of or damage to a watch caused by overwinding, leaking batteries, or from
immersion in water. Something that you use solely for business, trade or
professional purposes.
More than R1 000 in total per incident if your insured items are stolen from the
cabin of a vehicle. There will be no cover if we cannot see the damage caused by
the break-in.
More than R7 500 in total per incident if your insured items are stolen from the
locked boot of a vehicle. There will be no cover if we cannot see the damage
caused by the break-in.
Your washing stolen whilst in the open. Money, cheques and other negotiable
instruments.
Dial Direct. Click for extra 5% discount
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