Theft

You’re covered against loss or damage, due to a thief being invited onto your premises before the close of business, or gaining access to the premises with the help of a skeleton key or a similar device.

The king also covers the cost of replacing locks and keys to your building, as well as the reasonable costs you incur for temporary repairs.

Loss or damage:

• Covered under ‘Fire’ or ‘Glass’.
• Of items more specifically insured elsewhere.
• Due to an explosion being used to attempt to gain entry into the building.
• Of any cash, bank and currency notes, cheques, postal orders, money orders, current negotiable stamps and documents or certificates of a negotiable nature.
• Due to theft by a principal, partner, director or household member.
• Involving the use of the keys (including duplicate keys) and burglar alarm, unless the keys and alarm code were obtained by violence or threat of violence.

• Theft without forced or violent entry/exit.