INTRO AND GENERAL

The Countries where you are insured
Cover has been extended by definition to worldwide for the Personal Liability, Extended Personal Liability, Personal Accident, All Risks, Personal Computer, Bereavement Expenses and Hospital Cash Plan Sections.

Riot and Strike
The riot and Strike extension has been removed as it has been duplicated with cover provided by SASRIA.

We do not compensate for certain causes
The exclusions have been removed from the General section and have been included separately under each of the applicable sections such as Household Goods, Houseowners, All Risks, Motor, Water Craft and Personal Computers. These include but are not limited to: wear and tear, rust, mildew, corrosion, decay or erosion, electronic or electrical breakdown or failure, moths or other insects, cleaning or renovating etc.

We do not compensate for certain causes
Certain exclusions have been removed from individual sections such as Household Goods, Houseowners, Personal Liability, Motor, Water Craft, Extended Personal Liability, Mechanical and Electrical Breakdown. They are now included in the General Sction as they apply to all sections of the policy. These exclusions include: Fines & Penalties, Pollution or Contamination and Liability Arising from a Contract.

SASRIA
SASRIA is now included in the wording and schedules. We will no longer be inserting loose SASRIA wordings and disclosure notices in the policy wording.

Definitions
The following definitions are now included under the General section: Start Date and Schedule.

HOUSEHOLD

Loss or damage by insured events
Exclusions have been added to the wording for loss or damage by storm, flood, wind, water, hail or snow. These include loss or damage from the application of water and damage to the apparatus or pipes themselves.

Loss or damage from theft or attempted theft from Home or Outbuildings
Theft cover for Household Goods and personal belongings has been removed from subheading: �From the grounds of your Homes or Outbuildings�.

Loss or damage to guests� property
Loss or damage resulting from theft to guests� property is now included.

We do not compensate you for
Clarification that there is no compensation for power surges provided under the accidental damage audio visual extension.

Accidental damage
Clarification of wording for accidental damage which is only provided whilst within the Home and Outbuildings.

Proof of Ownership
Previous wording required acceptable proof of ownership in South African Rands � South African Rands has now been removed, but the condition of acceptable proof of its value remains.

You must keep jewellery and watches in a safe
No changes have been made in the way the safe warranty limit operates. The wording has been clarified that the insured peril for loss or damage, as a result of theft or attempted theft, will not be covered if not kept in a safe when not worn. If it is not kept in a safe when stolen, the limit applies.

Limited Household Goods insurance
The definition of �limited insurance� has been clarified.

You must have effective security measures
Alarm System � The wording has been amended to state that passive infra-red detectors must not be obstructed or bypassed when the Home or Outbuildings are left unattended.

Wild baboons or wild monkeys
New extension added. It includes loss or damage by wild baboons or wild monkeys as per the limit in the schedule. The limit is R10 000 and is subject to the standard/selectable excess.

Moving Household Goods to a new Home
Cover extended to include fire, collision and overturning.

Outbuildings
Limited contents of Wendy Houses have been included.

HOUSEOWNERS

Loss or damage by insured events
Exclusions have been added to the wording for loss or damage by storm, flood, wind, water, hail or snow. These include loss or damage from the application of water.

Gradual sinking of land (subsidence) and landslip of the land supporting the Private Home if shown in the schedule
Swimming Pools have been excluded from subsidence.

Power surges (optional)
SANS number has been amended.

We look after the lender�s rights
Cover excluded if the claim is rejected as a result of fraud, dishonesty, misrepresentation etc.

You must have effective security measures
Alarm System � The wording has been amended to state that passive infra-red detectors must not be obstructed or bypassed when the Home or Outbuildings are left unattended.

Wild baboons or wild monkeys
New extension added which includes loss or damage by wild baboons or wild monkeys as per the limit in the schedule. The limit is R10 000 and is subject to the standard/selectable excess.

Keys, locks and electronic security devices
New extension added to Houseowners section for keys, locks and electronic security devices. The limit is R10 000 and is subject to the standard/selectable excess.

PERSONAL ACCIDENT

Burns
Compensation limits for burns have increased.

ALL RISKS

Loss or damage we do not insure � Computers
Wording clarified to exclude all computers or accessories including palmtops, notebooks, iPads, tablets and desktop computers over and above laptops.

Stamp Collection
Compensation limit has been clarified.

Make sure you are not under insured
The Average condition has been deleted.

What we insure
The General item no longer excludes audio visual devices, MP3 players, gaming devices and cameras.

MOTOR

What we do not insure
Compensation for distortion of the tyre is excluded.

You must pay costs of returning the vehicle to South Africa
We have expanded cover beyond the South African borders. Botswana, Lesotho, Mozambique, Malawi, Namibia, Swaziland and Zimbabwe are also included in the amended wording to provide cover including towing costs within the territorial limits.

First owners of new vehicles (vehicle types a, b and c only)
The previous wording indicated that we will pay the lower of the Reasonable Retail Value or the purchase price. We have removed the word lower from the new wording, which means that the client gets the replacement amount within the first 12 months.

Car Hire (optional)
You must have a valid claim before we compensate you for hiring a car.

Third Party, Fire and Theft
Costs to tow and store the vehicle following fire, theft and attempted theft have now been included. You must contact our 24-hour call centre to arrange with one of our approved service providers.

Types of Vehicle Use
Occasional business travel has been included in Private use.

EXTENDED PERSONAL LIABILITY

Compensation
We only compensate above certain limits. These limits have been put back into the wording for clarification purposes.

MECHANICAL AND ELECTRICAL BREAKDOWN

New Section added to Mechanical Breakdown
Cover is provided on an All Risks basis and items can also be replaced now instead of only being repaired before. Items can either be specified or insured on a global basis. Please refer to detailed policy wording for clarification.