AMENDMENTS TO THE 2015 VERSION OF THE HOLLARD BUSINESS POLICY AND SECTIONAL TITLE & PROPERTY PROTECT WORDINGS
|
|
- Ashlyn Blair
- 6 years ago
- Views:
Transcription
1 AMENDMENTS TO THE 2015 VERSION OF THE HOLLARD BUSINESS POLICY AND SECTIONAL TITLE & PROPERTY PROTECT WORDINGS RISK CLASSIFICATION o The risk classification section is removed from the Commercial and Agricultural Underwriting Guideline and is now provided as a separate guideline o Familiarise yourself with the change in Fire risk classification codes o The policy wording no longer makes use of the Section Limits, all limits are now contained in the wording alternatively provided for in the Schedule HOLLARD BUSINESS POLICY GENERAL EXCEPTIONS o Nuclear risk format changed o Asbestos exclusion format changed o Territorial extension 29 property incidentally across border o Maintenance of thatch roofs 30 provide guideline and requirement o Gas installations 31 provide guideline and requirement GENERAL CONDITIONS o 3. Cancellation 3.3 added to clarify no premium refunds for annual premium where claims were paid o Claims 7.8 added recovery after loss o Delay of cover 28 added tsunamis not covered unless cover is uninterrupted o Policy and schedule condition to state that in a dispute the wording takes preference. This follows the audit on schedules. Hollard would like to see the schedules free of endorsements and if required have it approved by Hollard o Territorial extension 29 added property across border movement restriction o Maintenance of thatch roofs 30 added provide guideline and requirements o Gas installations 31 added provide guideline and requirements GENERAL PROVISIONS o Security guards limit is removed from Section Limits (this is discontinued) and added to the specific provision, now R for each section applicable o Malicious damage limit removed and now provides full cover Theft section included and damage as a result of theft also included, subject to limit in Theft section Malicious damage to buildings o Power surge the Provision includes columns 1 to 5 and makes provision for stock in freezers or cold rooms with a time excess please note standard exclusions of this provision, the limit now increased to R and excess R2 500 per event Amendments to the 2015 Hollard Business Policy and Sectional Title & Property Protect Wordings Page 1
2 GENERAL PROVISIONS (cont...) o Locks and keys added (deleted from Office and Money sections) and Theft included in terms of this extension o Warranties and endorsements added to clarify and acknowledge same to apply o Average waiver average shall be waived if the B I calculator is being used FIRE o Special perils excess R1 000 added o Geyser extension format changed and wording extended to include pipes o Clauses and extensions Motors and pumping equipment added free R cover o Architect s and professional fees increased to 20% o Capital additions increased to 20% o Limitations increased to R in terms of 1 and 2 o Temporary removal increased to 20% COMBINED o Special perils excess R1 000 added o Geyser extension format changed and wording extended to include pipes o Clauses and extensions Landscaping limit is removed from Section Limits and added to the extension, R limit o Motors and pumping equipment added free R cover o Sub-Section C Rent Defined Events 1 and 2 both increased to 30% o Architect s and professional fees increased to 20% o Capital additions increased to 20% o Temporary removal increased to 20% o Prevention of access increased to 20 kilometres OFFICE CONTENTS o Definition of contents 1.3 limits increased to R and the aggregate to R o Capital additions increased to 20% o Temporary removal increased to 20% o Alarm warranty (where it appears in other sections) the word "at" the premises changed to "in" in the premises o Accidental damage to sanitary ware reworded and simplified o Locks and keys added (General Provisions) BUSINESS INTERRUPTION o Prevention of access perils and extended cover: distance limit extended to 25 km o Public utilities perils and extended cover: the limitation now reads "The Company will not be liable to pay more than 75% (seventy five percent) of the sum insured for each and every event being R (twenty million Rand)" to be in line with the treaty requirement (the R (ten million Rand) limitation no longer applies) Amendments to the 2015 Hollard Business Policy and Sectional Title & Property Protect Wordings Page 2
3 THEFT o Limitations employee property increased from R5 000/R to R10 000/R o Malicious damage to buildings Damage to buildings renamed. Standard cover R5 000 and optional cover to extend limit o Guests increased to R10 000, but aggregate remains at R MONEY o Personal Accident increased from R7 500 to R o Money in transit warranty added o Locks and keys increased to R7 500 GLASS o Defined Events, boarding up, shop fronts, removal and watchman each individual limit increased to R5 000 GOODS IN TRANSIT o Defined event 4 Conveyance added to make provision for reputable carriers o Tarpaulins and packing material included in load limit o Removal of debris increased to R each event o Hi-jacking the cover does not include hi-jacking automatically and as such the premium must be indicated separately optional extension o Specific exceptions an additional exception to make provision for overloaded goods carrying vehicles COMBINED LIABILITY o Name change changed to Combined Liability. Cover same as before, but now including Umbrella. Umbrella as a stand-alone product will be phased out. Higher limits now available o Specific Exception added excludes radio controlled aircraft and drones o Specific Exception 13 added electrified fencing o Amended a. Legal Defense Cost increased to R peer event or R in the aggregate respectively o Warehousemans liability optional extension added b. Wrongful Arrest increased to R per event or R in the aggregate respectively GROUP PERSONAL ACCIDENT & STATED BENEFITS o Provisions added 7. Makes provision for deductions of payments made by COIDA 8. T T D payments restricted to actual earnings o Wordings new wordings with more extensions (on par with Hollard Accident and Health wording) Amendments to the 2015 Hollard Business Policy and Sectional Title & Property Protect Wordings Page 3
4 MOTOR o Defined Events 2 a. Protection and removal b. Delivery after repair c. Cost of storage d. Repatriation cost e. In the aggregate R of a., b., c. and d. o Description of use added to exclusions tracks, driver training and advanced driver training o Specific Exceptions Sub-Section A 1.1 exclusion of maintenance plans and the like o Definitions Spare parts and accessories defined o Locks and keys limit increased to R with excess of 10% claim minimum R1 250 o Wreckage removal increased to R per event o Tracking device increased to R2 000 o Fuel in tanks provision for R1 000 with R250 excess o Credit shortfall the Optional Extension makes provision for R50 000, but a higher amount can be selected and stated in the Schedule o Vehicles written of write off at 70% and the Company is the owner thereof MOTOR TRADERS o Definitions Spare parts and accessories defined o Defined Events 2 a. Protection and removal R b. Delivery after repair R o Loss of keys increased to R7 500 o Wreckage removal increased to R c. Repatriation cost increased to R d. In the aggregate a, b and c limited to R o Specific Exceptions Sub-Section A theft accompanied by visible signs of violence EN-ROUTE o En-route added, the Sections to cover: i. on road ii. in car, and iii. for motorcycles iv. Premium ceded by the system to the relevant division v. Binder partners have to add additional column on reporting bordereaux ELECTRONIC EQUIPMENT o Theft (9) the circumstances and cover relating to theft of portable equipment reworded and simplified o Alarm warranty added as an optional extension (no charge as the cover is limited) o Specific Exceptions format changed and additional exceptions added Amendments to the 2015 Hollard Business Policy and Sectional Title & Property Protect Wordings Page 4
5 ELECTRONIC EQUIPMENT (cont...) o R O D and I C O W increased to R respectively o Architect's fees now 20% o Clearance cost increased to 20% o Prevention of access increased to 20 kilometres PERSONAL SECTIONS o Delete all sections issue separate policy with specific plain language wording Amendments to the 2015 Hollard Business Policy and Sectional Title & Property Protect Wordings Page 5
6 SECTIONAL TITLE AND PROPERTY PROTECT INTRODUCTION o Insurance code of conduct added (in line with Commercial wording) GENERAL EXCEPTIONS o Nuclear risk format changed o Asbestos exclusion format changed GENERAL CONDITIONS o Prescription period 7.7 added o Claims 7.8 added recovery after loss o Law and jurisdiction 17 added o Change of interest 18 added o Alterations to the business 19 added o Insurable interest 20 added o Delay of cover 26 tsunamis not covered unless cover is seamless o Maintenance of thatch roofs 27 provide guideline and requirement o Gas installations 28 provide guideline and requirement o Floor coverings 31 limit replacement to the room affected o Obsolescence 32 property no longer available o Cancellation of cover 33 conditions under which a policy is cancelled o Fire protection 34 fire fighting equipment must be maintained o Security guards limit is removed from Section Limits and added to the provision o Malicious damage now full cover and no longer limited o Power surge limit increased to R to be in line with the Commercial wording PROPERTY o Defined events in line with the Commercial wording o Geyser extension format changed and wording extended and in line with the Commercial Asset Protection wording o Solar systems extension added o Wild baboons and monkeys added but limited OFFICE CONTENTS o Special perils excess R1 000 added o Defined events in line with commercial wording ELECTRONIC EQUIPMENT o Defined events in line with commercial wording o R O D and I C O W increased to R Amendments to the 2015 Hollard Business Policy and Sectional Title & Property Protect Wordings Page 6
7 PUBLIC LIABILITY o No limit indicated in wording o Limit stated in the schedule with premium charged o For rating consult the guideline FIDELITY GUARANTEE o Definition of employee extended to include trustee Amendments to the 2015 Hollard Business Policy and Sectional Title & Property Protect Wordings Page 7
COMMERCIAL 1. General. Fire and Allied Perils (buildings, contents, machinery and stock-in-trade)
COMMERCIAL 1 Sometimes in business, it seems that what can go wrong, does go wrong. Luckily, commercial insurance can help you plan for every eventuality. We offer invaluable protection against theft,
More informationSUMMARY OF THE DIFFERENCES BETWEEN THE MULTIPLEX AND THE SANTAM S PERSONAL POLICY. Benefit New Cover Current Cover
SUMMARY OF THE DIFFERENCES BETWEEN THE MULTIPLEX AND THE SANTAM S PERSONAL POLICY Contents - Basic Cover Loss or damage from theft or attempted theft from your outbuildings Loss or damage to money (excluding
More informationSHORT TERM INSURANCE APPLICATION FORM
SHOT TEM INSUANCE APPLICATION FOM Broker details Broker name Claim number: Jhb Policy number: Jhb Certificate number Service station details Legal entity Service station Oil Company isk address Postal
More informationAPPENDIX B WASHINGTON SUBURBAN SANITARY COMMISSION PROCUREMENT OFFICE INSURANCE AND BONDING CONTRACT NO.
APPENDIX B WASHINGTON SUBURBAN SANITARY COMMISSION PROCUREMENT OFFICE INSURANCE AND BONDING CONTRACT NO. 1. INSURANCE REQUIREMENTS A. INSURANCE: The Contractor shall be required to maintain insurance for
More information15E Riley Road, Riley Road No. 8425)
Franchise CONTACT ADDRESS (Pty) Ltd is an Authorised Tel No: 15E Riley Road, Riley Road No. 8425). 011 455 5101 Office Park, Bedfordview, www.cib.co.za Gauteng, 2008 Financial Services Provider (FSP Underwritten
More informationINSURANCE FOR THE TOURISM INDUSTRY INSURANCE GOOD AND PROPER
INSURANCE FOR THE TOURISM INDUSTRY INSURANCE GOOD AND PROPER SANT002068_Tourism Commercial Brochure_210x210.indd 1 SANT002068_Tourism Commercial Brochure_210x210.indd 2 INSURANCE GOOD AND PROPER At Santam,
More informationPERSONAL 1. Domestic Buildings
PERSONAL 1 From bumper bashings to burst geysers, from vet bills to lost cameras, from fallen trees to stolen TV s - we cover it all in one policy. The CIB Personal Lines Policy offers you cover for almost
More informationBUSINESS INSURANCE SOLUTIONS
BUSINESS INSURANCE SOLUTIONS TRUST US TO INSURE YOUR BUSINESS No business is without risk, whether you run a small commercial enterprise or a multi-national corporation. The key to managing it is to partner
More informationGUESTHOUSE INSURANCE FOR GUESTHOUSES INSURANCE GOOD AND PROPER. SANT Guesthouse Commercial Brochure_210x210.indd 1
GUESTHOUSE INSURANCE FOR GUESTHOUSES INSURANCE GOOD AND PROPER SANT002067 Guesthouse Commercial Brochure_210x210.indd 1 SANT002067 Guesthouse Commercial Brochure_210x210.indd 2 INSURANCE GOOD AND PROPER
More informationCOMMERCIAL PROPOSAL FORM
COMMERCIAL PROPOSAL FORM Cover is available for all classes of insurance. Please tick the classes you require insurance cover on and complete the relevant sections. Fire Y N Business Interruption Y N Money
More informationPremier Client Solutions
Premier Client Solutions Product Disclosure Sheet Read this Product Disclosure Sheet before you decide to take out the Premier Client Solutions insurance policy. The full terms and conditions can be found
More informationOMNI TRANSPORTER ~ PROPOSAL FORM / QUOTATION REQUEST
OMNI TRANSPORTER ~ PROPOSAL FORM / QUOTATION REQUEST Broker Name e-mail Telephone Sub-Broker Name PROPOSER DETAILS If more space is requird to any of the below questions, please attach another page recording
More informationOREGON MUTUAL INSURANCE COMPANY AUTOMOBILE POLICY CREDITS AND OPTIONS
ACCIDENT PREVENTION COURSE CREDIT Discount for drivers 55 years or older A credit applies to drivers age 55 or older who have successfully completed a traffic safety course approved by the Department of
More informationTRAVELERS CALIFORNIA HOMEOWNERS-TENANT POLICY SUMMARY OF MAJOR COVERAGE CHANGES
TRAVELERS CALIFORNIA HOMEOWNERS-TENANT POLICY SUMMARY OF MAJOR COVERAGE CHANGES We are pleased to introduce our new Travelers Homeowners-Tenant Policy, which replaces your current Homeowners-Tenant Policy
More informationA business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.
VENTURE PLUS Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. Cover is available for a wide range
More informationRisk & Insurance. Alex Rimmer Chief Operating Officer. A Member of the Global Alliance Group of Companies
Risk & Insurance Alex Rimmer Chief Operating Officer A Member of the Global Alliance Group of Companies Company Background Global Alliance Group was founded in 2001 Represented in 6 Countries Worldwide
More informationA business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.
Venture Plus Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. Cover is available for a wide range
More informationHome Insurance Policy Summary
Home Insurance Policy Summary This is a summary of the cover provided under the Think Insure Home Insurance Policy. As a summary it does not contain the full policy terms, conditions or definitions which
More informationCover section: Home contents
Home contents easy Index 1. Definitions that apply to your Home contents section 2 2. Conditions for cover 2 3. What we cover 2 4. Main cover 2 5. Additional benefits 3 6. Optional benefits 5 7. Specific
More informationTable of Contents Chapter 1: An Overview Chapter 2: What s Covered
Table of Contents Chapter 1: An Overview...1 Introduction...1 Forms Overview...1 Eligibility: Homeowners Forms... 3 Eligibility: Tenant Homeowners... 6 Eligibility: Unit Owners... 6 Eligibility: Seasonal
More informationPOLICY SUMMARY. This is a Policy Summary only. Full terms can be found in the Policy Wording and Endorsements.
POLICY SUMMARY This is a Policy Summary only. Full terms can be found in the Policy Wording and Endorsements. INSURANCE COMPANY: The Written agreement allows Midas Underwriting Limited to sign and issue
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MAC PAC ENDORSEMENT
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MAC PAC ENDORSEMENT This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM SUMMARY
More information1 Underwriting Questionnaire
Underwriting Questionnaire CONTACT AND INFORMATION DETAILS Brokerage Contact details for Genesis Underwriting Agency are: Po Box 1369, Manly NSW 1655 Phone 02 8412 3500 Fax 02 8412 3599 Genesis Underwriting
More informationBurglary and theft insurance
Burglary and theft insurance ES 02 Valid as January 1 2014 133 765 1 04.16 1 PURPOSE OF INSURANCE In accordance with these terms and conditions and the General Terms of Contract (YL), OP Insurance Ltd
More informationBahrain Porsche Club
Bahrain Porsche Club We are pleased to announce the Porsche Club Bahrain Insurance Scheme. This Scheme has been designed by Bahrain National Insurance (BNI) exclusively for the Bahrain Porsche Club Members
More informationCame & Company Local Council Policy Schedule
Came & Company Local Council Policy Schedule This schedule gives details of your premium, and identifies the sections of the policy document that you have chosen for your policy. Date of Issue 13th June
More informationMotor Vehicle Insurance Supplementary Product Disclosure Statement
Motor Vehicle Insurance Supplementary Product Disclosure Statement The date of preparation of this Supplementary Product Disclosure Statement (SPDS) is 1st August 2017 and will apply to policies taken
More informationAPPLICATION FORM FOR PERSONAL INSURANCE
Rest insured Rus verseker APPLICATION FORM FOR PERSONAL INSURANCE Please complete and sign the application, ticking all the applicable blocks. Make sure that all questions are answered completely. Cover
More informationSection Buildings Contents
Permanent Home Fire (including Resultant smoke Damage), lightning, explosion Earthquake and volcanic eruption. Escape of water from fixed water tanks, apparatus or pipes and Escape of oil from a fixed
More informationFax No. . Nature of Business or Industry
PROPOSAL FORM UNDERWRITTEN & ADMINISTERED BY CIB (PTY) LTD & Guardrisk Insurance Company Limited SPECIAL TICE This insurance policy is based on the statements below, made by the proposer or by his/her
More informationPROPOSAL STANDARD FIRE & SPECIAL PERILS POLICY
PROPOSAL STANDARD FIRE & SPECIAL PERILS POLICY PROPOSAL FOR STANDARD FIRE & SPECIAL PERILS POLICY (The property proposed for insurance is not covered until the proposal is accepted and premium paid) 1)
More informationCover section: Buildings
Buildings easy Index 1. Definitions that apply to your building section 2 2. Conditions for cover 2 3. What we cover 2 4. Main cover 3 5. Additional benefits 3 6. Optional benefits 5 7. Specific exclusions
More informationOREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX
INDEX General Instructions... MH-1 Basic Coverages and Limit of Liability... MH-1 Description of Coverage... MH-1 Deductible... MH-1 Application... MH-2 Binders... MH-2 Replacement Value Coverage C (H109)...
More informationCLASSES OF PERMITS AND FEES PAYABLE. Item Class of Permit Reference Fee Payable 1. Building Permit 6(3) See Part C
CLASSES OF PERMITS AND FEES PAYABLE Item Class of Permit Reference Fee Payable 1. Building Permit 6(3) See Part C 2. Demolition Permit 6(4) All Occupancies - $0.11 for each square metres of floor area
More informationBusiness Package Proposal Form INSURANCE
Business Package Proposal Form INSURANCE INDEX SECTION NOS. PAGES 1 Fire 1 2 Business Interruption 2 3 3 All Risks 3 4 Theft 4 5 Money 4 6 Glass 5 7 Goods in Transit 5 8 Liability 5 9 Motor 7 AGENT AND
More informationVehicle rental, Third party insurance, Collision damage waiver with excess 600, Personal accident insurance up to , Unlimited Kilometers
Terms & Conditions These terms and conditions, together with our web site terms and conditions of use, privacy policy and security policy constitute our agreement with you, the renter, for the services
More informationTHE CHARTERED INSURANCE INSTITUTE. Unit P93 Commercial property and business interruption insurances
THE CHARTERED INSURANCE INSTITUTE P93 Diploma in Insurance Unit P93 Commercial property and business interruption insurances October 2013 examination Instructions Three hours are allowed for this paper.
More informationYour renewal schedule
of issue SS CMC 6923694 Reason for issue Renewal Your renewal schedule Your Contractors Combined Insurance policy Important information n The details contained in your renewal schedule are based on the
More information2010 INSURANCE MANUAL
2010 INSURANCE MANUAL All required insurance shall be in a form, amount, content and written by companies acceptable to the Georgia Department of Community Affairs (DCA). For identification purposes, all
More informationKey Home Cover Product Features, Benefits, Limits and Exclusions
Key Home Cover Product Features, Benefits, Limits and Exclusions The following tables summarise the significant cover features, benefits, limitations and exclusions of our SuperValu Insurance Home Cover
More informationPharmacover Policy Summary
NPA Insurance Ltd Working for Community Pharmacy Pharmacover Policy Summary This Policy Summary provides a summary of the features, benefits and significant exclusions or limitations of the cover provided
More informationMotor Minibus Plus Insurance Policy Summary
Motor Minibus Plus Insurance Policy Summary Underwritten by a member of the QBE Insurance Group (QBE/us). Details provided below. Your policy Unless stated otherwise, this insurance is an annual contract
More informationPharmaPlus Policy Summary
NPA Insurance Ltd Working for Community Pharmacy PharmaPlus Policy Summary This Policy Summary provides a a summary of the of the features, features, benefits benefits and significant and significant exclusions
More informationHollard Easy Product Guide V1 2
Product Guide Hollard Easy Product Guide V1 2 CONTENTS 1. Introduction to easy 5 2. No-claim reward 6 3. Dependencies 8 4. Motor 9 a. Cars 11 b. Motorbikes 14 c. Trailers & Caravans 17 d. Non-road vehicles
More informationBidvest Car Rental t/a Budget Car and Van Rental : Terms and Conditions
Bidvest Car Rental t/a Budget Car and Van Rental : Terms and Conditions 1. Definitions In this agreement, unless the context indicates otherwise, the following expressions shall bear the following meanings:
More informationOREGON STATE UNIVERSITY
OREGON STATE UNIVERSITY SUPPLEMENTAL GENERAL CONDITIONS To The PUBLIC IMPROVEMENT GENERAL CONDITIONS Project Name: Magruder Hall Hospital Expansion & Renovation The following modify the November 1, 2016
More informationPROPOSAL FORM. From. 8. Whether the sum insured for proposed location/s is Yes No above Rs. 100 crore?
Bajaj Allianz General Insurance Company Limited INDUSTRIAL ALL RISK INSURANCE PROPOSAL FORM ( The issue of this form is not to be taken as an admission of liability ) Acceptance of this proposal is subject
More informationswiftcare EMERGENCY VALUE ADDED SERVICES
swiftcare EMERGENCY VALUE ADDED SERVICES swiftcare South Africa 0860 24 7 365 International (+27) 11 374 4880 Our personal lines product automatically include swiftcare a value added service where policyholders
More informationPROPOSAL FORM (The issue of this form is not to be taken as an admission of liability)
- ALLIANZ INSURANCE LANKA LIMITED Company : PB 323 46/10,Nawam Mawatha, Colombo 02 Tel: +9411 2300400 Fax: +9411 2304404 E-mail: info@allianz.lk Web site: www.allianz.lk PROPERTY ALL RISK INSURANCE PROPOSAL
More informationType of Cover Accidental Damage Yes Optional Optional Yes. Defined Events No Yes Yes No
Effective date of the comparisons: 18 01 2018 Product Cover: Home & Contents Secure Home Elite Insurance V3436E_0317 Home and Contents Insurance - Defined Events Budget-Home_0816 Home Insurance - Residential
More informationCOVER FOR THE DAIRY FARMER
COVER FOR THE DAIRY FARMER WE OFFER THE FOLLOWING COVER ON THE SANTAM AGRICULTURE POLICY FIRE Damage or loss due to a power surge added to the sections Fire, Building Combined and Office Contents is limited
More informationZurich IAA Business Insurance
Quick Reference Guide Zurich IAA Business Insurance The Quick Reference Guide provides a snapshot of the changes made in the New Zurich IAA Business Insurance IAA Business Insurance which will be effective
More informationCAR INSURANCE Product Disclosure Statement and Policy Document
CAR INSURANCE Product Disclosure Statement and Policy Document INSURANCE Thank you for taking out a COTA Insurance policy. COTA Insurance not only offers cover for people over 50, it helps fund our work
More informationMOTOR-ONLY INSURANCE SOLUTIONS. motorsure
MOTOR-ONLY INSURANCE SOLUTIONS motorsure ALL THE MOTOR COVER YOU NEED! At Old Mutual Insure, we aim to provide our customers with superior insurance solutions to protect their assets. That is why we are
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More informationALLIANZ CAR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY DOCUMENT
ALLIANZ CAR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY DOCUMENT Preparation Date: 23/01/2018. Online allianz.com.au Call 13 1000 Allianz Car Insurance This Product Disclosure Statement (PDS) is
More informationCape Town Office : Tel +27(0) / Fax +27(0) Gauteng Office : Tel +27(0) / Fax 27(0)
Cape Town Office : Tel +27(0)86-110 5799 / Fax +27(0) 86 5000 888 Gauteng Office : Tel +27(0)86 110 5799 / Fax 27(0)86 500 2071 PROPOSAL FOR RESIDENTIAL BODY CORPORATE, SHARE BLOCK AND WHOLE OWNERS ASSOCIATIONS
More informationCommercial Combined Insurance Policy Summary
Commercial Combined Insurance Policy Summary About this document This document provides the key information about the Faraday Commercial Property Insurance Policy. It is a summary only and does not contain
More informationMOTOR TRADERS SECTION
MOTOR TRADERS SECTION Definitions The following definitions apply to the words or terms listed below wherever they appear in this section unless specifically otherwise indicated. 1. The Vehicle - shall
More informationRENTAL TERMS AND CONDITIONS IN SLOVAK REPUBLIC
RENTAL TERMS AND CONDITIONS IN SLOVAK REPUBLIC Europcar Slovakia, PP Rent Cars s.r.o. (hereinafter referred to as PP Rent) rents to Renter the car described overleaf with the following terms and conditions,
More informationAmendments to Your Car Insurance Guide
Amendments to Your Car Insurance Guide Amendments to Your Car Insurance Guide The following changes will apply to your motor policy from this renewal. For full terms and conditions please refer to Your
More informationAnsvar Personal Motor Insurance. Product Disclosure Statement and Policy Document
Ansvar Personal Motor Insurance Product Disclosure Statement and Policy Document Ansvar Personal Motor Insurance is underwritten by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL
More informationMotor Vehicle Insurance
Motor Vehicle Insurance Product Disclosure Statement The insurer is GIO General Limited ABN 22 002 861 583 AFSL 229873. This product is distributed by Resilium Pty Ltd ABN 40 098 080 810 AFSL 232703. Contents
More informationPeriod of Cover: 12 months
Optima Home Policy Summary This document provides a guide to the cover provided. It is however only a summary of the terms of cover and does not contain full details of the insurance policy terms, conditions
More informationMotor Fleet Insurance Policy (UK) Summary of Changes
Motor Fleet Insurance Policy (UK) Summary of Changes We have updated our policy wording and branding, this notice tells you about the differences between the previous Amlin policy AML111 June 2014 and
More informationAGRICULTURE. INSURANCE FOR FARMERS good and proper
AGRICULTURE INSURANCE FOR FARMERS Insurance good and proper INSURANCE GOOD AND PROPER Farmers and producers today face big challenges to protect their livestock and assets. Unpredictable weather patterns,
More informationPersonal Lines Automobile Manual. Aviva Insurance Company of Canada
SASKATCHEWAN Personal Lines Automobile Manual Aviva Insurance Company of Canada www.avivacanada.com PRIVATE PASSENGER SPECIAL PROGRAMS Driver assistance that revolves around you SATELLITE PROGRAM Satellite
More informationOREGON MUTUAL INSURANCE COMPANY DWELLING FIRE
AUTOMATIC INCREASE IN INSURANCE The Company will increase the limits of liability for dwellings and outbuildings at the beginning of each renewal policy period, based upon reports of recognized appraisal
More informationQBE Construction Package. A comprehensive construction and engineering insurance cover
QBE Construction Package A comprehensive construction and engineering insurance cover Introducing QBE Construction Package QBE Construction Package insurance provides comprehensive protection for contractors
More informationSYRACUSE UNIVERSITY Contractor Insurance Requirements The Contractor shall provide, maintain and deliver during the term of this Agreement the following insurance with at least the minimum coverages and
More informationMIMOS TENDER NO. : CB2/T/2013 APPENDIX 1 : CURRENT INSURANCE COVERAGE
MIMOS TENDER : CB2/T/2013 1.0 INDUSTRIAL ALL RISKS INSURANCE: Section 1 Material damage to all movable/immovable property (ies) including but not limited to contents, fixtures & fittings and equipment
More informationCOMMERCIAL PACKAGE POLICY COVERAGES WITH CONTRACTOR SHIELDSM
contractor shield sm COMMERCIAL PACKAGE POLICY COVERAGES WITH IMPACT CONTRACTOR SHIELDSM For decades, Federated insurance products have been designed specifically for contractors to manage the risks and
More informationLesson 3 - Golf Carts
Lesson 3 - Golf Carts Lesson 3 Introduction p1 (PM) Golf carts are another type of recreational vehicle that clients may own, rent or borrow. In addition to being used for golf, motorized golf carts are
More informationallsure Policy wording
allsure Policy wording swiftcare South Africa 0860 247 365 Our insurance product automatically includes swiftcare a value added service where policyholders enjoy the following benefits: Roadside Assistance
More informationQBE Construction Package. A comprehensive construction and engineering insurance cover
QBE Construction Package A comprehensive construction and engineering insurance cover Introducing QBE Construction Package QBE Construction Package insurance provides comprehensive protection for contractors
More informationLet Property FlexiLet Buildings and Contents Insurance Summary of Cover
Let Property FlexiLet Buildings and Contents Insurance Summary of Cover www.towergate.co.uk Towergate Underwriting Let Property Flexilet Policy Summary Summary of Cover 1. Some important facts about your
More informationPOLICY SUMMARY. April 2017
POLICY SUMMARY April 2017 The key facts This is your motor insurance policy summary; it contains the key information about your policy that you should read. Your policy summary does not contain the full
More informationPROPOSAL FOR STANDARD FIRE & SPECIAL PERILS POLICY
(A Joint Venture of Allahbad Bank, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investments Corp. and Sompo Japan Nipponkoa Insurance. Inc.) Registered and Corporate Office: Unit No 401, 4th Floor,
More informationINSURED INFORMATION. 23 Corporate Plaza, Suite 248 Newport Beach, CA p
Named Insured: Named Insured Address: Contact Person: Project Management Organization: Finance Parties: Additional Insureds: INSURED INFORMATION Phone: Loss Payee: Existing/Previous Insurance Carrier (if
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More informationFlorida. Umbrella Product Guide. What s New Effective Date of Revised Material Updates
Table of Contents Florida Umbrella Product Guide What s New Effective Date of Revised Material Updates Product Overview Description of Coverage Policy Term Retained Limit Insured Eligibility Home Care
More informationQuestionnaire Wine and Dine
Questionnaire Wine and Dine Bryte Insurance Company Limited A Fairfax Company egistration number: 1965/006764/06 VAT number: 4530103581 Authorised Financial Services Provider No. 17703 15 Marshall Street,
More informationCOMMERCIAL BUSINESS INSURANCE QUESTIONNAIRE
COMMERCIAL BUSINESS INSURANCE QUESTIONNAIRE Current Broker Policy. Current Insurer Expiry Date Contact Name Postal Address Phone Fax Mobile Website Email Insured Full names of Insured Persons or Companies
More informationFundamental Investments (Pty) Ltd
Fundamental Investments (Pty) Ltd 5 Autumn Street, 1 st Floor, Baobab House, ivonia Tel No. +27 11 803 0613 Fax No. 086 524 0783 Licence No: FSP 5683 Medical Schemes Nr: OG 2320 info@pension.co.za www.pension.co.za
More informationCommercial Public Service Vehicle (PSV) Insurance Policy
Commercial Public Service Vehicle (PSV) Insurance Policy 1 Welcome to your Commercial Vehicle (PSV) Insurance Policy Dear Thank you for choosing us as your insurer. This is your policy document. It is
More informationPolicy Wording. Hollard Business Binder
Policy Wording Hollard Business Binder CONTENTS INSURANCE CODE OF CONDUCT 2 GENERAL EXCEPTIONS, CONDITIONS AND PROVISIONS 4 FIRE 22 BUILDINGS COMBINED 33 OFFICE CONTENTS 43 BUSINESS INTERRUPTION 50 ACCOUNTS
More informationTerritory Car Insurance
Territory Car Insurance Territory Car Insurance Product Disclosure Statement Information is current as at 16 201 Preparation Date: 16/09/2018. On-Line tiofi.com.au Call 131 846 Welcome Your car is more
More informationPREMIUMS, EXCESSES, DISCOUNTS AND CLAIMS PAYMENT GUIDE HOME & CONTENTS INSURANCE INSURANCE FOR MOTORING ENTHUSIASTS
PREMIUMS, EXCESSES, DISCOUNTS AND CLAIMS PAYMENT GUIDE HOME & CONTENTS INSURANCE INSURANCE FOR MOTORING ENTHUSIASTS The Premiums, Excesses, Discounts and Claims Payment Guide (PED Guide) is designed to
More informationForm #QPF 6 (Rev. February 1, 2010) QUEBEC AUTOMOBILE INSURANCE POLICY - NON-OWNED FORM AND ENDORSEMENTS
Form #QPF 6 (Rev. February 1, 2010) QUEBEC AUTOMOBILE INSURANCE POLICY - NON-OWNED FORM AND ENDORSEMENTS These forms have been approved under Section 422 of the Act Respecting Insurance (R.S.Q., chapter
More informationAmendments to Your Car Insurance Guide
Amendments to Your Car Insurance Guide Amendments to Your Car Insurance Guide The following changes will apply to your motor policy from this renewal. For full terms and conditions please refer to Your
More informationCalifornia. Home Product Guide. What s New Effective Date of New and Revised Material Updates
Table of Contents California Home Product Guide Safeco Insurance Companies 2011 Safeco Insurance Company of America, member of Liberty Mutual Group, 1001 4th Ave, Seattle, WA 98154. All rights reserved.
More informationPROPERTY OWNERS INSURANCE: WHAT YOU SHOULD KNOW
PROPERTY OWNERS INSURANCE: WHAT YOU SHOULD KNOW Flexible business insurance, designed to meet the needs of your sector BUSINESS INSURANCE WELCOME TO PROPERTY OWNERS INSURANCE FROM NFU MUTUAL You should
More informationYOUR BIOPAC PACKAGE POLICY INCLUDES:
THIS APPLICATION IS FOR A CLAIMS MADE ERRORS & OMISSIONS POLICY, AN OCCURRENCE CGL POLICY AND A PROPERTY INSURANCE POLICY THIS BIOPAC APPLICATION IS FOR COMPANIES WHO ARE CONDUCTING LIFE SCIENCES RESEARCH
More informationCHINA TAIPING INSURANCE (UK) CO LTD PROPERTY OWNER POLICY SUMMARY
CHINA TAIPING INSURANCE (UK) CO LTD PROPERTY OWNER POLICY SUMMARY History You are in good hands. China Taiping Insurance (UK) Company Limited received its trading license in 1983 and commenced underwriting
More informationInsurances. National Certificates of Currency
Insurances National Certificates of Currency HIGH LEVEL INSURANCE SUMMARY Contract Works Material Damage J Hutchinson Pty Ltd trading as Hutchinson Builders and others as per the policy Including and all
More informationcib PERSONAL Tel No: E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008
cib PERSONAL CONTACT Tel No: 011 455 5101 www.cib.co.za ADDRESS 15E Riley Road, Riley Road Office Park, Bedfordview, Gauteng, 2008 CIB (Pty) Ltd is an Authorised Financial Services Provider (FSP No. 8425).
More informationSHOPS. Policy Summary
SHOPS Policy Summary 2 Shops Policy Summary SHOPS Policy Summary Your RSA Shops Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions. You can select
More informationQUÉBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 4 Garage Form
QUÉBEC AUTOMOBILE INSURANCE POLICY FORM (Q.P.F.) No. 4 Garage Form Q.P.F. No. 4 1 April 1 st, 2018 TABLE OF CONTENTS INTRODUCTION... 5 1. DOCUMENTS INCLUDED IN INSURANCE CONTRACT... 5 2. OBLIGATION TO
More informationHospitality Insurance
Hospitality Insurance Our niche products focus on a specific sector of the Hospitality industry. 2 Insurance solutions for the Hospitality Industry We understand that owners of establishments in the hospitality
More informationRENTAL PROPERTY AGREEMENT College of Charleston Grice Marine Lab
RENTAL PROPERTY AGREEMENT College of Charleston Grice Marine Lab BY THIS RENTAL AGREEMENT ( Agreement ), between the College of Charleston d/b/a/ the College of Charleston Grice Marine Lab, (hereinafter
More information