MUA Executive Policy - Van Flymen & Associates

SPECIFIC EXCLUSIONS FOR THIS SECTIONThe insurer will not cover the following:1.2.3.4.5.6.The excess stated in your scheduleThe first R5 000 of a claim for any loss or damagethat arises from theft or attempted theft, ormalicious (intentional) damage to your contents, orfrom water escaping or leaking when the building isunoccupiedLoss, damage or breakdown which is or would, inthe absence of this contract of insurance, have beeninsured by a guarantee, service contract, purchasecontract or other purchase agreementLoss or damage that arises from or is aggravateddirectly or indirectly by changes to the structure ofthe building (including demolishing it) or any buildingworks including extending, altering, renovating,contructing, cleaning, restoring or repairing thebuildings unless the insurer has agreed to cover youduring these changesAny claim that is more than R5 000 for the theftof contents from outbuildings, including domesticmotorised garden maintenance equipment, unlessentry to the outbuildings was obtained by usingforcible or violent means. (This exclusion does notapply if the outbuildings are protected by an armedresponse alarm. )Damage caused by or as a result ofa. inherent fault, faulty design, poor workmanship,use of faulty material, misuse of the building oryour deliberate actionsb. altering, cleaning, renovating, repairing,restoring, reframing or similar processes appliedto your contentsc. rot, rising damp, a rise in the water table, fungus,mould, your contents being infested, insectsd. weeds or rootse. chewing, scratching, tearing and fouling bydomestic pets7.8.9.10.11.12.f.g.chipping, scratching, spoiling or discolouringsettlement, shrinking, warping, corrosion, wearand tear, or other gradual processes includingrust, oxidation, smoke and smudgingLoss of or damage to any motorised wheelchair, golftrolley, golf buggy, motorised scooter or sit-in toy orminiature vehicle that is used where any road trafficlegislation appliesLoss or damage caused by theft, attempted theft,deliberate destruction (vandalism) or maliciousactions, unless you have complied with all thesecurity requirements stated in your scheduleLoss or damage caused by theft or misappropriation(dishonest taking of goods) while you hired out,loaned or sublet the buildings, unless there is forcibleand violent entry into the buildingsLoss of or damage to firearms or guns from buildingsthat are unattended, unless the firearms or gunswere stored in a locked gun safe which was accessedthrough forcible or violent meansLoss of or damage to contents that you have insuredmore specificallyLoss of or damage to stamps, coins or collectableitems caused bya. fading, creasing, denting, scratching, tearing,thinning, colour transfer, dampness or extremetemperatureb. handling or being worked onc. repairing, restoring or retouchingd. the item(s) being used as something other thana collectablee. the disappearance of an individual stamp, coinor other collectable item that is insured as partof a collection, unless it is mounted in a volumeand the page is also lost26 MUA Executive Policy