Buildings combined insurance

• Alterations and misdescription.
• Architects and other professional fees.
• Capital additions.
• Demolition and clearing costs.
• Deterioration of foodstuffs.
• Dye-lots, colours, patterns and textures.
• External signs, blinds, canopies, gate motors, borehole and pool pump machinery and equipment.
• Fire extinguishing charges.
• Gardens, garden furniture and water features.
• Limitations: Money and stamps (up to the maximum stated on your policy schedule), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
• Loss of water.
• Malicious damage.
• Mortgagee clause.
• Municipal plans scrutiny fees.
• Obsolete items.
• Prevention of access (only applicable to rent).
• Property removed temporarily.
• Public authorities' requirements.
• Railway and other subrogation clause.
• Reinstatements and replacements.
• Removal of fallen trees.
• Security firms (only applicable to legal liability).
• Security costs.
• Tenants' clause.

Loss or damage to property due to or caused by

• Acts of nature during alterations and additions while the structure is unroofed or partially roofed.
• Accidental damage to sanitary ware, fixed mirror glass and fixed glass doors during alterations and additions.
• Scorching.
• Defects in design or construction or absence of approval from the relevant local authorities.
• Construction, alteration or repairs, or defective workmanship or materials.
• A lack of maintenance.
• A tsunami or tidal wave.
• The underground workings of a mine.
• Exposure to heating, drying or water processes.
• Damage to retaining walls (unless designed and built according to structural engineering specifications).
• Goods left in the open (unless the goods are designed for such use).
• Structures that aren't completely roofed (unless otherwise stated on your policy schedule).
• Retaining walls, drains or a constructed water course.
• Property that's stolen, or is damaged while being stolen.
• Thieves entering or exiting the premises.
• Removal or demolition because of an attempted or successful theft at your building.
• Stoppage, slowing down or interruption of work or processes.
• The building is unoccupied for more than 30 consecutive days, vacant, or abandoned.
• Additional costs resulting from the unavailability of matching materials.
• The underpinning of foundations.
• Consequential loss (other than rent or alternative accommodation).

• Bursting or overflowing of geysers and water pipes.
• Documents connected to your business or for which you're responsible.
• Escalation.
• Fidelity guarantee.
• Geyser and water pipes wear and tear.
• Locks and keys.
• Money.
• Office contents.
• Power surges.
• Riot and strike.
• Subsidence and landslip.
• Trustees' indemnity.