Vakansie Tyd: Items wat jy moet spesifiseer
All risk items are items taken out of the house, it can be your personal belongings or any other item. Here are some items that need to be specified under your insurance policy in order to have cover. The all risk section can be split into two sections:
Alle risiko items is items wat uit die huis uit geneem word, dit kan persoonlike klerasie en besittings of enige ander gespesifiseerde item wees. Hier is ‘n paar items wat onder jou polis gespesifiseer moet word om dekking te hê. Die alle risiko afdeling kan in twee dele verdeel word:
General Personal belongings: Handbag, purse, make up, luggage, a jacket, perfume etc. This is normally insured for a lumpsum with a percentage limit per item
Algemene Persoonlike besittings: handsak; beursie; grimering; tasse; ‘n jas; parfuum; ens. Hierdie items word vir ‘n lomp som verseker met ‘n persentasie per item.
Specified items: Cell phones; Smartphones; Laptops; iPods; iPads; Tablets; Cameras; Drones; Jewellery; GPS; Sport equipment (including golf sets, cricket kits, etc.); Bicycles; Firearms; Valuable collections & Medical Equipment (including prescription glasses, hearing aid, etc.)
These items need to be insured for current replacement value
Gespesifiseerde items: Selfone; Slim fone; Skootrekenaars; iPods; iPads; Tablette; Kamera’s; Drones; Juwele; GPS; Versamelings; Sporttoerusting (insluitend ‘n golf stel, krieketstel, ens.); Fietse; Vuurwapens & mediese toerusting (insluitend voorgeskrewe brille, gehoorstukke, ens.)
Hierdie items word verseker vir die huidige vervangings waarde
Important to know about the all risk section:
*All jewellery must have a valuation certificate not older than 2 years as roof of ownership for any claim. NO CERTIFICATE, NO CLAIM. This means that you’re paying a premium for an item you will not be able to claim for.
*Jewellery not being worn must be kept in a safe
*Proof of ownership has to be available for all items. (This includes proof of purchase, invoices, photos etc.)
*Laptops: The Sum insured has to include the value of the laptop, software and accessories
*DRONES: There is no cover for accidental damage or liability to all parties. This is excluded form cover!
*Remote Jamming: There will be NO CLAIM for items stolen out of your vehicle if there is NO PROOF of brake in! Don’t leave valuable items in your vehicle & always make sure your vehicle is locked
*Wear & tear: Damages resulting from any mechanical breakdown, wear and tear is not covered
*Money is not covered
*GENERATORS: Generators must be maintained on a regular basis, the maintenance / services done on the item must also be recorded. If the generator is stored outside, it must be locked in its own cage with a lock, if not there is no cover for theft
Belangrike inligting i.v.m. die alle risko afdeling:
*Alle juwele moet elke twee jaar nuwe waardasiesertifikate kry as bewys van eienaarskap. GEEN NUWE waardasiesertifikaat = GEEN EIS. Dit beteken dat jy premie betaal vir ‘n item waarvoor jy nie gaan kan eis nie.
*Juwele wat nie gedra word nie moet in ‘n kluis gebêre word.
*Bewys van eienaarskap moet vir alle items gelewer kan word (dit sluit in bewys van aankoop, kwitansies, foto’s ens.)
* Skootrekenaars (Laptops) – Versekerde bedrag moet die rekenaar, sagteware & bybehore insluit.
*DRONES: Daar is GEEN DEKKING vir toevallige/ongeluk skade & aanspreeklikheid vir die items nie!
*Remote Jamming: Daar is GEEN eis vir items wat uit jou motor gesteel word sonder BEWYSE van inbraak is! Moenie waardevolle items in jou motor los nie en maak seker dat jou voertuig gesluit is.
*Items in jou voertuig moet altyd buite sig gebêre word (bv. in die kattebak of in die paneelkissie) om verlies te voorkom.
*Wear & tear: Skade agv meganiese onklaarraking, daaglikse gebruik of sluitasie is nie gedek nie.
*Geld is nie gedek nie.
*Kragopwekkers: Kragopwekkers moet gereeld in stand gehou word, daar moet ook rekord gehou word van die onderhoud/dienste wat op die item gedoen word. As die kragopwekker buite gestoor word moet dit toegesluit wees in sy eie hok met ‘n slot, indien nie is daar geen dekking vir diefstal nie.
If you have any further enquiries, please contact our office for assistance.
Indien jy enige verdere navra het, kontak gerus ons kantoor.