Key Benefits & Extensions

Key Benefits

  • Cover for cash in transit, credit-card fraud and personal accident assault under the money section
  • Public liability inclusive of forecourt negligence cover where employees dispense the incorrect grade of fuel into a customer's vehicle, causing damage to the vehicle
  • Car hire for third party affected by incorrect dispensing of fuel - R20,000
  • Special defective workmanship for any work that still has to be handed over by insured to his client -RS0,000
  • Clients own vehicles up to 5 included under Motor traders section
  • Sub-contractors included
  • Excellent Road Side Assist with the AASA- Automobile Association of South Africa
  • Business Interruption cover as a consequence of environmental impairment problems leading to site being closed down
  • ATM cover
  • All bullet proof glass covered
  • Death in Service cover for cashiers, petrol attendants
  • Compatibility cover under Business All Risks

Automatic Extensions under the fire section include

  • Fuel leakage - Limited to R150 000
  • Contamination of fuel - Limited to R150 000
  • Subsidence and Landslip - Limited to R150 000
  • Contents of fridges and freezers - Limited to R75 000
  • Shade netting - limited to R50 000
  • Damage to blinds, signage and canopies - limited to R50 000
  • Damage to bollards, perimeter fence- R50 000
  • Vehicles on premises - Accumulation limit R300 000
  • Refrigerated stock - R75 000
  • Fatal injury & Medical Extension - R15 000
  • Damage to gardens, landscaping and playgrounds - limited to R15 000
  • Claims preparation costs - limited to R50 000
  • Claims preparation costs- R100 000
  • Debris Removal- R100 000
  • Post trauma counselling- R15 000

Automatic Extensions under the Business Interruption section include

  • Additional increase in cost of working - limited to R300 000
  • Customers - Unspecified
  • Suppliers - Specified
  • Suppliers Sub Contractors
  • Prevention of Access - Extended cover
  • Public Utilities - Extended cover
  • Public Telecommunications - Extended cover
  • Accidental Damage - limited to R100 000
  • Claims preparation costs - limited to R100 000
  • Franchise and Royalties(must be part of Fixed Expenses)

Automatic Extensions under the Theft section include

  • Damage to Buildings - limited to R50 000
  • Malicious Damage to contents - limited to R50 000
  • Loss of Building Locks and keys - limited to R10 000
  • Goods not meant to be in the open- R10 000
  • Watchman Extension/ Cost of boarding up - limited to R7 500
  • Cellphone Cards/Cigarette Limit- R20 000

Automatic Extensions under the Maney section include

  • Clothing and personal effects - limited to R5 000
  • Locks and keys - limited to R10 000
  • Cash till limits(combined) - limited to R10 000
  • Credit card extension, includes customers absconding before payment - limited to R5 000
  • Petrol Attendants - limited to R2 500
  • Virtual Airtime - limited to R15 000
  • Bilking - limited to R5 000
  • Personal Accident Assault - limited to a Capital sum of R50 000 - maximum 5 persons
  • Receptacle- R25 000

Automatic Extensions under the Public Liability section include

  • Wrongful Arrest and defamation - limited to R250 000
  • Legal Defence costs - limited to R250 000
  • Products liability including food poisoning - Limited to R1 000 000
  • Defective Workmanship - R1 000 000
  • Special Defective Workmanship Liability- R50 000
  • Spread of Fire Liability
  • Forecourt Negligence - limited to R1 000 000
  • Car Valet - limited to R100 000
  • Fire extinguishing costs - limited to R20 000
  • Umbrella Liability
  • General & Tenants Liability

Automatic Extensions under the Electronic Equipment section include

  • Reinstatement of data - limited to R25 000
  • Increased cost of working - limited to R25 000
  • Telkom Access lines
  • Incompatibility Cover
  • Transit and away from the premises
  • Failure of electricity supply

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