Accidental damage

Additional costs

When you insure your agri business with the king, ‘Accidental damage’ covers your property against accidental loss or damage, which arises from 1 original cause. We also cover some of the costs that come with property damage, such as examination fees, fire brigade charges, architect fees and demolition costs.

We also cover some additional costs, like:

• Fees for the examination of municipal or other plans.
• Costs incurred for the necessary demolition, removal of debris (including undamaged contents) and erection and maintenance of hoardings during demolition and rebuilding.
• The professional fees of architects, quantity surveyors and other consultants.
• Fire brigade charges.
• Any costs incurred due to the necessity to comply with building or other regulations of any public authority.

Contribution

You may not claim under this section to contribute to any claim for an incident for which the property is more specifically insured.

Documents and records

Where you claim for the theft of documents, manuscripts, business books, computer system records and media, plans, designs, patterns, models and moulds, your claim is limited to the value of materials and costs paid for labour.

Sets and pairs

Where you’ve claimed for the loss of, or damage to, an item insured under this section, which forms part of a set, pair or collection, we won’t be liable for more than the individual value of the damaged or lost item.

Any special value that you attach to the fact that the item is part of a pair, set or collection won’t be taken into account.

Loss or damage to property due to or caused by

• Any insured incident that’s excluded.
• Detention, confiscation or requisition by customs or other officials or authorities.
• Unexplained disappearance, loss or shortage that’s only revealed during or after an inventory of errors or omissions in receipts, payments or accounting, or misfiling or misplacing of information.
• Normal settlement, heave, weakening or removal of the ground supporting a building.
• The cracking of any structure.
• The failure or deliberate withholding of water, steam, gas, electricity, fuel or refrigerant.
• The collapse of plant and machinery, buildings and structures (except for shelving and storage platforms).
• Chemicals, oils, liquids, fluids, gases or fumes, leaking or being discharged from containers (unless otherwise stated on your policy schedule).
• Any fraudulent scheme, trick, device or false pretense of which you (or any person having custody of the insured property) are the victim.
• Fraud by, or the dishonesty of, your principal, employee or agent.
• Overheating, implosion, cracking, fracturing, weld failure, nipple leakage or other failure. (This only applies to vessels, pipes, tubes and similar apparatus.)
• Breakdown, electrical, electronic and/or mechanical derangement.
• Altering, bleaching, cleaning, dyeing, manufacturing, repairing, restoring, servicing, renovating, testing or any other work done to it.
• Fault or defect in its design, formula, specification, drawing, plan, materials, workmanship or professional advice, normal maintenance, gradual deterioration, depreciation, corrosion or rust.
• Oxidation or other chemical action or reaction, frost, change in temperature, expansion or humidity, fermentation or germination, dampness, dryness, wet or rot, shrinkage, evaporation, loss of weight, contamination, pollution, change in colour, flavour, texture or finish or its own wear and tear.
• Denting, chipping, scratching or cracking (that doesn’t affect operation of the item).
• Termites, moths, insects, vermin, inherent vice, fumes, flaws, latent defect, fluctuations in atmospheric or climatic conditions or the action of light.
• The inability to rebuild or repair the building where it stood prior to the incident.
• Rates, taxes, duties, developments or other charges or assessments arising from capital appreciation.
• Debris removal (except from the site of the destroyed or damaged property and the area immediately adjacent to the site).
• Pollution or contamination.

As well as loss, or damage to

• Property that’s more specifically insured elsewhere.
• Anything for which notice had been served on you prior to the incident.
• Anything connected with undamaged property or undamaged portions of property.
• Property in the course of construction, erection or dismantling, including related materials or supplies.
• Property in the possession of your clients under lease, rental, credit or suspensive sale agreements.
• Glass, china, earthenware, marble and other fragile or brittle objects, unless otherwise agreed and stated on your policy schedule.
• Coins, bank and currency notes, traveller’s and other cheques, money and postal orders, postage and revenue stamps, credit card vouchers and other certificates, documents or negotiable instruments.
• Furs, jewellery, bullion, precious and semi-precious metals and stones, curiosities, rare books and works of art.
• Property in transit by air, inland waterway or sea.
• Railway locomotives, rolling stock and other railway property, aircraft, watercraft, mechanically or electronically propelled cars, motorcycles, mobile plant, caravans and trailers.
• Trees, crops, animals, land, driveways, pavements, roads, runways, dams, reservoirs, canals, pipelines, tunnels, cables, cableways, bridges, docks, jetties, wharves, piers, excavations, any property below the ground and explosives.
• Electronic data processing equipment and external data media (punch cards, tapes, discs and the like) and the information they contain.

• Leakage.
• Property you don’t want to cover.