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.
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.