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 theft) R2,500 R1,000 Property not inside your residence, but on premises (all insured events) Property not inside your residence, but on the premises where you are employed (some insured events) Property not inside your residence, but from any vehicle (theft only) minimum R1,000 R5,000 R1,000 Contents - Extended Basic Cover Temporary increase of insured amount 10% 10% Debris removal R5 000 Rent 25% of sum insured 20% Compensation for you or spouse s death R10,000 R10,000 Veterinary expenses Damage by wild baboons or wild monkeys minimum R10,000 Contents - Convenience benefits Medical expenses of guests or visitors R5,000 R2 000 Medical expenses of domestic employees R5,000 R2 000 Personal effects of guests Personal effects of domestic employees Contents of fridges and freezers Contents storage cost after damage R1,000/ 2% R1,000/ 2% Trauma treatment R5,000 R2,000 Guards R5,000 R2,000 1
All Risks - Basic cover Clothing and personal effects 20% of sum insured minimum R2,000 20% of sum insured or R1,000 Buildings - Extended basic cover Debris removal Reasonable cost Loss of rent 25% 20% Loss of water R1,000 Removal of fallen trees R3,000 Tracing of leaks R5,000 Special alterations R5,000 Cover before property transfer Included Damage by wild baboons or wild monkeys minimum R10,000 Buildings - Convenience benefits Medical expenses of guests or visitors R5,000 Medical expenses of domestic employees R5,000 Damage to gardens R5,000 R5,000 Emergency accommodation R5,000 Guards R5,000 R2,000 Vehicles - Extended basic cover Tow-in cost and safeguarding after valid claim Reasonable cost Reasonable cost Emergency repairs R5,000 R1,000 Delivery after repairs Reasonable cost Reasonable cost Tow-in cost and safeguarding after mechanical breakdown Vehicle transfer cover for any vehicle you buy Difference in excess cover for rented vehicle R1,000 R500 Included R1,500 Loss of keys R2,500 2
Vehicles - Convenience benefits Medical expenses of passengers (not family) R3,000 R2,000 Emergency accommodation R5,000 R1,000 Emergency cost R5,000 R1,000 Recovery cost R5,000 R1,000 Trauma treatment R5 000 R5 000 Medical expenses of you or your family R5,000 per person R20,000 per event R2,000 Vehicles - Liability Vehicle liability R5,000,000 R3,000,000 Passenger liability motorcycle R200,000 R100,000 Passenger liability LDV R400,000 R200,000 Watercraft - Extended basic cover Inspection of the hull after stranding, sinking or collision Reasonable cost Reasonable cost Costs to prevent a loss Reasonable cost Reasonable cost Safeguarding Reasonable cost Reasonable cost Delivery after repairs Reasonable cost Reasonable cost Salvage costs Reasonable cost Reasonable cost Recovery cost Reasonable cost Reasonable cost Watercraft - Convenience benefits Medical expenses of passengers (not family) R3,000 R2,000 Emergency repairs R5,000 Emergency cost R5,000 Emergency accommodation R5,000 Medical expenses of you or your family R5,000 R2,000 Trauma treatment R5,000 3
Watercraft - Liability Watercraft liability R2,000,000 R1,000,000 OTHER LIMIT CHANGES: House Contents: Stock-in-trade optional extra cover R15,000 R30,000 Personal legal liability Tenant s liability Liability to domestic employees Credit cards, credit vouchers and SIM cards R2,000 R5,000 Hole-in-one in golf or Full house in bowls R1,000 R2,000 Personal Accident: The choice general cover will increased to Age limit lifted from R1,000,000 16-70 to 16-75 years Vehicle - 4x4 cover extension : Extended Countries Increased territorial Limits Emergency repairs following accidental loss or damage R15,000 Winching equipment R15,000 Repatriation Cost R25,000 Fire Extinguish cost R5,000 Personal documents R5,000 Medical expenses for passengers (being your family) R5,000 per person /R25,000 per event Loss of Keys R10,000 Wreckage Removal R1,000 Head, tail or spotlights covered Tow-in cost and safeguarding after mechanical breakdown R2,500 Trauma Treatment R10,000 Emergency accommodation R500 per person / R6,000 per event Compensation for car hire R500 per day Vehicle - Luxury Vehicles Cover Extension : Emergency repairs following accidental loss or damage R15,000 Fire Extinguish cost R5,000 Loss of Keys R15,000 Wreckage Removal R1,000 Head, tail or spotlights covered Tow-in cost and safeguarding after mechanical breakdown R3,500 Emergency accommodation R500 per person / R10,000 per event No excess for new vehicles (< 12 months) 4
Vehicle - Additional Motor Hire Classes: Group B (current) 4 door economy: 1.6 VW Polo or similar Group E (new) 4 door midsize: Toyota Camry or similar Group F (new) 4 door midsize/luxury: BMW 318 or similar Group G (new) 4 door luxury: Mercedes Benz or similar Contents - B&B Cover Extension (new) : Stock-in-trade Contents insured amount Increase in peak period 10% Loss or damage of personal effects of paying guest R10,000 Trauma compensation for paying guests R10,000 External signs, blinds and canopies R2,000 Cleaning and dry cleaning of guests property R5,000 Personal Accident: Temporary total disablement (new) Personal Accident (new) : Medical expenses R5,000 Repatriation R10,000 Trauma R10,000 Mobility cover R10,000 Life support machinery R10,000 5