allsure Enhancements Policy Wording Comparisons
Contents
1. MUTUAL FEDERAL Authorised Financial Services Provider A Member of the SA OLD MUTUAL Group Revised wording 3 1 The countries where you are insured 3 1 1 The policy applies to South Africa Botswana Lesotho Mozambique Malawi Namibia Swaziland and Zimbabwe 3 1 2 This condition does not apply to Personal Liability Extended Personal Liability Personal Accident All Risks Personal Computer Bereavement Expenses and Hospital Cash Plan Sections 3 6 Claiming Tell us about the claim 3 6 4 You must give us 3 6 4 1 full details of the claim 3 6 4 2 details of any other insurance you may have for the Insured event 3 6 4 3 proof statements and any other information we ask for and 3 6 4 4 any correspondence or other documents for example court papers or legal letters you have received in relation to the claim 3 7 The compensation we give Riot and Strike Deleted no longer applies allsure upgrade wording Revised wording 3 7 12 3 loss or damage resulting from total or partial cessation of work or the retarding or cessation of any process or operation 3 7 12 4 loss or damage occasioned by permanent or temporary dispossession resulting from confiscation commandeering or requisition by any lawfully constituted authority 3 7 12 5 loss or damage related to or caused by any occurrence referred to in general exception exclusion 3 8 11 1 3 8 11 2 3 8 11 3 3 8 11 4 3 8 11 5 3 8 11 6 of this policy or the act o2. 10 4 2 We do not compensate you for loss or damage caused by 10 4 2 1 Wear and tear and depreciation in value over time 10 4 2 2 gradual operating causes such as deterioration rust mildew corrosion decay 10 4 2 3 moths or other insects or their larvae vermin rodents or your own domestic pets 10 4 2 4 cleaning repairing restoring or maintenance by any manner or method 10 4 2 5 any part of the watercraft which is condemned only because of a fault in the design or construction 10 4 2 6 a defect from negligence or breach of contract relating to any repair or alteration Loss or damage during transport including loading and unloading 10 4 6 We do not compensate you for the following loss during transport of the watercraft on land 10 4 6 1 scratches 10 4 6 2 dents 10 4 6 3 any costs that you become liable for to another person 10 4 6 4 while the watercraft is transported by a person without a valid driving licence unless the person is charged with theft or illegal use of the vehicle towing the watercraft 10 4 6 5 while the watercraft is transported by a person who is under the influence of alcohol or drugs or who has a blood alcohol level above the legal limit Liability arising from a contract Moved to the GENERAL section Fines and penalties Moved to the GENERAL section Liability related to pollution or contamination Moved to the GENERAL section Enhancements allsure upgrade wording 16 1 Defi
3. 4 3 61 6 cracking scratching denting or chipping of furniture glass glassware jewellery or other brittle articles 4 3 61 7 confiscation or detention by any process of law 4 3 61 8 deliberate power cuts or load shedding 4 3 61 9 consequential damage of any nature 4 6 Special conditions You must give proof of ownership 4 6 1 You must give us acceptable proof in South African Rand that you owned an item or acceptable proof of its value if we ask for it You must keep jewellery and watches in a safe 4 6 5 If you are not wearing the jewellery or watch you must keep it in a securely locked wall or floor mounted safe We will not compensate you for loss or damage for more than the safe warranty limit as shown in the schedule if you do not lock the item in a safe while you are not wearing it Revised wording Limited Household Goods insurance Optional 4 3 60 If you have Limited insurance we will only compensate you for the following loss or damage Refer to the content under these headings of the Full and Limited Household Goods insurance 4 3 60 1 goods in your Home and Outbuilding up to the limit shown in the schedule 4 3 60 2 business goods and equipment up to the limit shown in the schedule 4 3 60 3 loss or damage by Insured events 4 3 60 4 fire brigade charges 4 3 60 5 cost of clearing debris after an Insured event 4 3 60 6 householders Liability Other loss or damage Accidental damage optio
4. e audio visual devices such as car radios mp3 players gaming devices and cameras e GPS equipment e bicycles surf boards kite boards paddle skis kayaks canoes surf skis windsurfers and sailboards e tools e stamp and coin collections e money and documents e furs and leather jackets e wheelchairs e guns Make sure you are not under insured 8 3 2 We compensate you for items that are specified in the schedule such as e mobile communication devices such as cell phones e bicycles surf boards kite boards paddle skis kayaks canoes surf skis windsurfers and sailboards tools stamp and coin collections money and documents furs and leather jackets wheelchairs guns Make sure you are not under insured 8 5 13 It is your responsibility to insure your items for the replacement value 8 5 14 If at the time of loss or damage the replacement value is more than the insured amount we will not compensate you for the full amount of your claim We calculate the difference between the replacement value and the insured amount and apply this proportionately to your claim You are responsible for the difference 8 5 13 It is your responsibility to insure your items for the replacement value Changes to the wording allsure upgrade wording 9 5 Types of vehicle value Type 1 Reasonable retail value 9 5 1 The reasonable retail value is the price at which a car dealer sells a vehicle with its facto
5. e breakdowns or breakages e rust corrosion or mildew e moths or other insects or their larvae vermin rodents or your own domestic pets e movement of the land supporting the building even if this movement is caused directly or indirectly by storm flood wind water hail or snow Compensation for loss or damage caused by movement of the land supporting the Private Home resulting from flowing surface water is insured e retaining walls e to gates and fences not constructed of stone concrete steel or bricks e rise in damp or rise in the water table 6 3 1 7 Gradual sinking of land subsidence and landslip of the land supporting the Private Home if shown in the schedule 6 3 1 7a Except for loss or damage caused to or by e drains water courses boundary walls garden walls screen and retaining walls gate posts gates e fences driveways paving swimming pools swimming pool borders or tennis courts e or made worse by faulty design insufficient compacting of filling poor construction e removal or weakening of support e structural alterations additions or repairs e surface or subterranean excavations except those performed during mining operations e normal settlement shrinkage or expansion e contraction or expansion of clay and similar soil types due to its moisture or water content allsure upgrade wording What is not insured under the Houseowners Liability Liability arising from a contract 6 4 6
6. 16 4 8 2 electrical problems relating to wiring the antennae electricity supply to the appliance leaking batteries and power surges 16 4 8 3 electronic gaming equipment 16 4 8 4 loss of recorded media software or data 16 4 8 5 TV image burn in Minor pixel issues 16 4 9 We do not compensate for damage to plasma or LCD panels for minor pixel issues that do not affect your overall viewing This includes missing pixels flashing pixels or wrong colour pixels Pixels are the small blocks of colour or picture that make up the whole picture on your television screen Reconnecting appliances 16 4 10 We do not compensate you for costs of reconnecting or reinstalling an appliance after a repair or call out Consequential loss 16 4 11 We do not compensate you for any Consequential loss or damage whether directly or indirectly because the appliance did not work for any reason Consequential loss is any additional loss or damage that happens as a result of the insured loss or damage Revised wording Damage to parts of the insured property that have short life spans 16 4 4 We do not compensate you for damage to parts of the insured item that have a short life span Some examples are e batteries bulbs e speakers e tapes ribbons e pilot lights e the plate inside the microwave e globes clocks e hoses e air and water filters e fuses e belts knobs e screen protectors e accessory cables e remov
7. 8 4 11 We do not compensate you for electronic or electrical and mechanical breakdown breakages or failure 8 4 11 We do not compensate you for electrical and mechanical breakdown Compensation Compensation For stamp collections For stamp collections 8 5 5 We compensate you for a stamp collection if 8 5 5 1 it is specified in the schedule 8 5 5 2 one or more complete pages of the collection are lost or damaged 8 5 6 We do not compensate you for 8 5 6 1 more than the limit shown in the schedule for any one stamp 8 5 6 2 more than two thirds of the value of that stamp in a current recognised catalogue up to the limit shown in the schedule for any one stamp 8 5 7 We compensate you up to the limit shown in the schedule 8 5 5 We compensate you for a stamp collection if 8 5 5 1 it is specified in the schedule 8 5 5 2 one or more complete pages of the collection are lost or damaged 8 5 5 3 more than the limit stated in the schedule for any one stamp 8 5 6 For any one stamp we do not compensate you more than two thirds of the value of that stamp in a current recognised catalogue 8 5 7 We compensate you up to the limit stated in the schedule Enhancements to the wording 8 3 What we insure 8 3 What we insure Items that must be specified Items that must be specified 8 3 2 We compensate you for items that are specified in the schedule such as e mobile communication devices such as cell phones
8. GENERAL section 13 5 What we do not insure Claims arising from a contract 13 5 8 We do not compensate for Liability arising from a contract you entered into unless you would have been liable if there were no contract MUTUAL FEDERAL Authorised Financial Services Provider A Member of the Q OLD MUTUAL croup Changes to the wording allsure upgrade wording Revised wording No changes Enhancements to the wording 7 5 Compensation 7 5 Compensation Burns 7 5 10 We compensate you up to the limit of compensation shown in the schedule depending on the percentage of your body s surface area that is disfigured from burns 7 5 11 If the percentage disfigurement from burns described in 7 5 10 is less than 100 of the surface area we apply a percentage to the compensation that is consistent with the actual disfigurement you suffer 7 5 12 We do not give compensation for burns if less than 10 of the surface area described in 7 5 10 above is affected We only compensate you when the permanent effect of medical or surgical treatment has been established 7 5 13 Permanent total loss of use of a part of the body will be treated as loss of that part Burns 7 5 10 1 Maximum of 60 for disfigurement of the surface area of the face or neck or both 2 Maximum of 30 for disfigurement of the surface area of the body other than the face or neck 7 5 11 If the percentage disfigurement from burns descri
9. any punitive damages fines or penalties that you are held liable for Pollution or contamination 4 3 59 We do not compensate for Liability related to pollution or contamination of any type This includes the cost of cleaning up or replacing any property damaged by pollution or contamination Revised wording Loss of or damage to guests property 4 3 19 We compensate you up to the limit shown in the schedule for Household Goods and personal belongings of a guest living with you temporarily if they do not have any other insurance 4 3 20 To receive compensation the Insured event must have taken place at the Home and Outbuildings 4 3 21 This excludes money and negotiable instruments for example cheques Damage to Household Goods in transit 4 3 27 We compensate you up to the limit shown in the schedule for your Household Goods while you are taking them to or from any place of purchase repair or renovation We only compensate you if the damage is caused during transit by fire collision or the motor vehicle carrying the goods overturning Accidental damage to audiovisual equipment Accidental damage to audiovisual equipment 4 3 39 We compensate you for accidental damage to any of the following Household Goods 4 3 39 1 television sets video recorders decoders satellite dishes or aerials 4 3 39 2 sound reproduction equipment DVD players including Blu ray players 4 3 39 3 proximas and multi media projectors 4
10. by movement of the land supporting the Private Home resulting from flowing surface water is insured Wear and tear or gradual deterioration Rise in damp or a rise in the water table or To gates and fences We do not cover metal palisades and motors attached to them 6 3 4 Gradual sinking of land subsidence and landslip of the land supporting the Private home if shown in the schedule Except for loss or damage caused to or by e drains water courses boundary walls garden walls screen and retaining walls gate posts gates e fences driveways paving swimming pool borders or tennis courts e or made worse by faulty design insufficient compacting of filling poor construction e removal or weakening of support e structural alterations additions or repairs e surface or subterranean excavations except those performed during mining operations e normal settlement shrinkage or expansion e contraction or expansion of clay and similar soil types due to its moisture or water content MUTUAL amp FEDERAL Authorised Financial Services Provider A Member of the SA OLD MUTUAL Group Revised wording What we insure 6 3 1 3 Storm flood wind water hail or snow except for loss or damage caused by or to any of the following e loss or damage to property caused by any process which uses or applies water e deterioration wear and tear or any gradual operating cause e mechanical electronic or electrical failure
11. contacts accompanied by physical loss or damage 11 4 2 3 g scratches to the painted or polished surfaces 11 4 2 3 e cleaning or upgrading your computer 11 4 2 3 h viruses trojans worms or other destructive media 11 4 2 3 f development of poor electrical and electronic or computer programmes contacts 11 4 2 3 g scratches to the painted or polished surfaces 11 4 2 3 h viruses trojans worms or other destructive media or computer programmes No changes No changes No changes No changes Changes to the wording allsure upgrade wording Changes to the wording allsure upgrade wording Changes to the wording allsure upgrade wording Changes to the wording allsure upgrade wording Changes to the wording allsure upgrade wording MUTUAL FEDERAL Authorised Financial Services Provider A Member of the A OLD MUTUAL Group Revised wording Revised wording Revised wording Revised wording Revised wording
12. lawfully taking or impounding the vehicle or any part of the vehicle allsure upgrade wording 9 12 Compensation Limit of compensation For first owners of new vehicles vehicle types A B and C only 9 12 3 We compensate you up to the limit on the schedule if you are the first registered owner of a new vehicle and within 12 months of registration if either of the following happens to the vehicle 9 12 3 1 it is stolen or hijacked and not recovered 9 12 3 2 it is damaged and in our opinion not economical to repair 9 12 4 For vehicles insured with a Reasonable Retail value the limit of compensation is 9 12 4 1 the current purchase price of a new vehicle of the same model or similar model if the same model is not available at the time of the loss or damage less any excess 9 12 5 For vehicles insured with an Agreed value the limit of compensation will be the Agreed value adjusted for deterioration less any excess amount Revised wording Car hire Optional When and how we compensate you for car hire 9 7 29 If you have a valid claim we compensate you for hiring a car following loss or damage to the vehicle in any of the following circumstances 9 7 29 1 if the vehicle cannot be driven 9 7 29 2 if the vehicle is being repaired 9 7 29 3 if the vehicle is stolen and not recovered 9 11 What we do not insure We do not compensate you under the Motor section for claims for any of the following 9 11 1 de
13. specification We look after the lender s rights 6 6 5 If you act or fail to act in a way that makes this policy invalid we will still compensate the lender if 6 6 5 1 the lender did not know that you acted or did not act in a way that made this insurance invalid 6 6 5 2 the lender tells us of the act or omission as soon as it becomes aware of it Revised wording What is not insured under the Houseowners Liability Liability arising from a contract Moved to the GENERAL section Fines and penalties Moved to the GENERAL section Liability related to pollution or contamination Moved to the GENERAL section Accidental damage to fixed machinery used in your Private Home optional What we do not compensate you for accidental damage 6 3 40 We do not compensate you for loss of or damage to fixed machinery directly or indirectly caused by 6 3 40 1 depreciation gradual causes wear and tear 6 3 40 2 faulty design or workmanship or using tools or equipment in an incorrect manner 6 3 40 3 rodents ants moths or other insects and their larvae vermin or your own domestic pets 6 3 40 4 cleaning repairing or renovating 6 3 40 5 rust subsidence landslip or the collapse of any building 6 3 40 6 purposefully overloading the machine 6 3 40 7 electronic or electrical breakdown or failure 6 3 40 8 mechanical breakdown or breakages Power surges optional 6 3 42 We compensate you for damage to the Private Home that i
14. than 10 years when first added to this section Using or treating items in the wrong way 16 4 3 We do not compensate you for damage because 16 4 3 1 tools were used on the insured item in the wrong way 16 4 3 2 you or any other person made mistakes when installing the insured item 16 4 3 3 the insured item was not maintained as the manufacturer recommended 16 4 3 4 the insured item was used for something other than its normal home use Damage caused by normal use 16 4 4 We do not compensate you for damage caused by 16 4 4 1 deterioration such as rust or erosion This includes damage from sunlight and normal climate conditions 16 4 4 2 household pests 16 4 4 3 wear and tear This includes any damage that happens because you use the insured item in the wrong way or excessively 16 4 4 4 the actions involved in cleaning dyeing or repairing the insured item 16 4 5 We do not compensate you for damage to 16 4 5 1 cabinets frames speaker masks storage boxes or shelves 16 4 5 2 electrical accessories such as remote controls Damage to glass and sealed refrigeration equipment 16 4 6 We do not compensate you for damage to glass including scratched lenses Revised wording Cleaning dyeing renovating and repairing 16 4 4 We do not compensate you for loss or damage caused by dyeing renovating or repairing Confiscation and detention 16 4 5 We do not compensate you for loss or damage to items that are confisc
15. 3 40 We do not compensate you for loss or damage to 4 3 40 1 Household Goods that are not in the Home and Outbuildings 4 3 40 2 damage caused by mechanical or electric breakdown 4 3 40 3 audiovisual equipment caused by power surges Liability arising from a contract Moved to the GENERAL section Fines and penalties Moved to the GENERAL section Pollution or contamination Moved to the GENERAL section allsure upgrade wording Limited Household Goods insurance Optional 4 3 63 If you have Limited insurance we will only compensate you for the following loss or damage Refer to the content under these headings of the Full Household Goods insurance 4 3 63 1 loss or damage by Insured events 4 3 63 2 fire brigade charges 4 3 63 3 loss or damage from water and heating apparatus 4 3 63 4 loss or damage caused by impact 4 3 63 5 householders liability Other loss or damage Accidental damage optional This insurance is optional You must refer to your schedule to see if you have it and the excess that applies 4 3 61 We do not compensate you for loss or damage caused by 4 3 61 1 wear and tear rust mildew corrosion or decay moths or other insects or their larvae 4 3 61 2 depreciation or any gradual operating cause process of dyeing cleaning or renovating 4 3 61 3 the action of light or climatic conditions 4 3 61 4 electronic electrical and mechanical breakdown 4 3 61 5 overwinding of items such as clocks
16. SA OLD MUTUAL Group Changes to the wording allsure upgrade wording Revised wording Loss or damage that we do not insure Computers Loss or damage that we do not insure Computers 8 4 3 We do not compensate you for any computer equipment or accessories such as laptops palmtops notebooks iPads tablets and desktop computers 8 4 3 We do not compensate you for any computer equipment or accessories This includes laptops Loss or damage that we do not insure Wear and Tear depreciation and deterioration Loss or damage that we do not insure Wear and Tear 8 4 4 We do not compensate you for gradual causes such as wear and tear rust mildew corrosion decay depreciation and deterioration 8 4 4 We do not compensate you for wear and tear Household pests Household pests and pets 8 4 7 We do not compensate you for loss or damage caused by household pests such as moths or other insects or their larvae vermin rodents or your own domestic pets 8 4 7 We do not compensate you for loss or damage caused by housheold pests such as rats moths or insects Cleaning dyeing renovating and repairing Cleaning dyeing renovating and repairing 8 4 8 We do not compensate you for damage caused by cleaning dyeing renovating or repairing 8 4 8 We do not compensate you for loss or damage caused by cleaning dyeing or renovating Electrical and mechanical breakdown Electrical and mechanical breakdown
17. We do not compensate for Liability arising from a contract you entered into unless you would have been liable if there were no contract Fines and penalties 6 4 8 We do not compensate for any punitive damages fines or penalties that you are held liable for Liability related to pollution or contamination 6 4 9 We do not compensate for Liability related to pollution or contamination of any type This includes the cost of cleaning up or replacing any property damaged by pollution or contamination Accidental damage to fixed machinery used in your Private Home optional What we do not compensate you for accidental damage 6 4 12 We do not compensate you for loss of or damage to fixed machinery directly or indirectly caused by 6 4 12 1 depreciation gradual causes wear and tear 6 4 12 2 faulty design or workmanship or using tools or equipment in an incorrect manner 6 4 12 3 rodents ants and moths 6 4 12 4 cleaning or repairing 6 4 12 5 rust subsidence landslip or the collapse of any building 6 4 12 6 purposefully overloading the machine Power surges optional 6 4 14 We compensate you for damage to the Private home that is caused by power surges from accidental changes in the power supply of a public supply authority We do not compensate you if the main electrical distribution boards of the Private home are not protected with surge protectors lightning arrestors or other protection devices installed to SANS 0142
18. able storage devices e obsolete spare parts e remote controls Damage to electronic appliances Removed Minor pixel issues Removed Reconnecting appliances Removed Consequential loss Moved to the GENERAL section Damage to computers laptops palmtops iPads tablets and data processing equipment 16 4 5 We do not compensate you for damages to computers laptops and data processing equipment Damage to electric gate motors 16 4 6 We do not compensate you for damages to electric gate motors allsure upgrade wording 16 5 Compensation How we compensate you 16 5 1 We compensate you for e labour costs e cost of parts 16 5 2 We compensate you for repairs to the item so that it works in a normal way 16 5 3 If it cannot be repaired we will compensate you the maximum repair value or 50 of the replacement cost of a similar appliance We will not compensate for more than the limit shown in the schedule for the item Limit of compensation 16 5 2 We compensate you up to the limit shown in the schedule Excess 16 5 3 There is an excess in the schedule for each item we insure under this section This is the amount that you pay before we compensate you 16 6 Special conditions Choice of compensation of we cannot get parts or manual 16 6 1 We do not have to repair an appliance if we cannot get parts or get the service manual from the manufacturer No longer insuring an appliance 16 6 2 We can refuse
19. allsure upgrade wording GENERAL SECTION 3 1 The countries where you are insured The policy applies to South Africa Botswana Lesotho Mozambique Malawi Namibia Swaziland and Zimbabwe Please check each section for exceptions to this condition 3 6 Claiming Tell us about the claim 3 6 4 You must give us 3 6 4 1 full details of the claim 3 6 4 2 details of any other insurance for the Insured event 3 6 4 3 proof statements and any other information we ask for and 3 6 4 4 any correspondence or other documents for example court papers or legal letters you have received in relation to the claim 3 7 The compensation we give Riot and Strike 3 7 10 This riot and strike insurance applies only if the South African Special Risks Insurance Association SASRIA does not provide insurance 3 7 11 This policy is extended to cover loss of or damage to property directly occasioned by or through or inconsequence of 3 7 11 1 civil commotion labour disturbances riot strike or lockout 3 7 11 2 the act of any lawfully established authority in controlling preventing suppressing or in any other way dealing with any occurrence referred to in 3 7 7 1 above 3 7 12 Provided that this extension does not cover 3 7 12 1 loss of or damage to property occurring either within the territorial limits of the Republic of South Africa or Namibia 3 7 12 2 consequential or indirect loss or damage of any kind or description whatsoever
20. apply to Caravans and Trailers Golf cars Recreational tractors three and four wheeled motorised vehicles No cover 9 8 Third Party Fire and Theft Costs to tow and store the vehicle following Fire Theft and attempted Theft Revised wording If you are not the first registered owner of the vehicle or after 12 months after first registration where you are the first registered owner 9 12 6 We compensate you as follows if you are not the first registered owner of the vehicle or after 12 months after first registration if either of the following happens to the vehicle 9 12 6 1 it is stolen or hijacked and not recovered 9 12 6 2 it is damaged and in our opinion not economical to repair 9 12 7 The limit of compensation is the Reasonable Retail value or Agreed value of the vehicle adjusted for deterioration as relevant at the time of the loss or damage less the excess amount 9 13 Special conditions You must pay costs of returning the vehicle to South Africa 9 13 6 If loss or damage occurs to the vehicle outside South Africa Botswana Lesotho Mozambique Malawi Namibia Swaziland and Zimbabwe you are responsible for all costs you incur in bringing the vehicle back to South Africa We do not compensate you for these costs 9 13 7 Until the vehicle has been brought back to South Africa we will not consider any claim for loss or damage to the vehicle 9 4 Types of vehicle use 1 Domestic use Social priva
21. ated or detained by a process of law Damage to certain appliances Removed Using or treating items in the wrong way 16 4 2 We do not compensate you for damage because 16 4 2 1 tools were used on the insured item in the wrong way 16 4 2 2 you or any other person made mistakes when installing the insured item 16 4 2 3 the insured item was not maintained as the manufacturer recommended 16 4 2 4 the insured item was used for something other than its normal home use 16 4 3 5 damage for which provision is made in terms of the guarantee or warranty issued by the manufacturer s of any electrical equipment Damage caused by normal use Moved to the GENERAL section Removed Damage to glass and lenses 16 4 3 We do not compensate you for damage to glass including scratched lenses allsure upgrade wording Damage to parts of the insured property that have short life spans 16 4 7 We do not compensate you for damage to parts of the insured item that have a short life span Some examples are e batteries bulbs e speakers e tapes ribbons e pilot lights e the plate inside the microwave e globes clocks e hoses e air and water filters e fuses e belts knobs e screen protectors e accessory cables e removable storage devices e obsolete spare parts e remote controls Damage to electronic appliances 16 4 8 We do not compensate you for damage caused by 16 4 8 1 the appliance seizing up
22. baboons or wild monkeys that live freely in the natural surroundings and are not kept as pets or farm animals or kept confined in any way Other loss or damage While moving Household Goods to a new Home 4 3 14 We compensate you up to the limit shown in the schedule for Household Goods for loss from theft fire collision or overturning of the vehicle while professional movers are moving them when you permanently move Home Loss or damage to Household Goods in Outbuildings not made of brick stone or concrete with slate tile metal concrete or asbestos roof 4 3 28 We compensate you up to the limit shown in the schedule for your Household Goods while in the Outbuildings which are not made of brick stone or concrete with a slate tile metal concrete or asbestos roof Loss or damage caused by theft must have visible signs of forced entry or exit Damage by wild baboons or wild monkeys 4 3 46 We will compensate you up to the limit shown in the schedule for loss or damage or damage to Household Goods inside your Home and Outbuildings caused by wild baboons or wild monkeys Changes to the wording allsure upgrade wording What we insure 6 3 1 3 storm wind water flood hail or snow Except for loss or damage caused by or to any of the following movement of the land supporting the building even if this movement is caused directly or indirectly by storm flood wind water hail or snow Compensation for loss or damage caused
23. bed in 7 5 10 is less than 60 of the surface area we apply a percentage to the compensation that is consistent with the actual disfigurement you suffer 7 5 12 We do not give compensation for burns if less than 10 of the surface area described in 7 5 10 above is affected We only compensate you when the permanent effect of medical or surgical treatment has been established 7 5 13 Permanent total loss of use of a part of the body will be treated as loss of that part Changes to the wording allsure upgrade wording 11 4 What we do not insure Revised wording 11 4 What we do not insure Physical loss or damage Physical loss or damage 11 4 2 For physical loss or damage we do not compensate you 11 4 2 For physical loss or damage we do not compensate you for for 11 4 2 3 loss or damage that happens because of 11 4 2 3 loss or damage that happens because of 11 4 2 3 a vermin or moths 11 4 2 3 a wear and tear rust mildew corrosion decay or 11 4 2 3 b a gradual cause erosion 11 4 2 3 c cleaning or upgrading your computer 11 4 2 3 b moths or other insects or their larvae vermin 11 4 2 3 d your computer being confiscated or kept as part of aJrodents or your own domestic pets legal process 11 4 2 3 c gradual deterioration or repairing or any gradual 11 4 2 3 e wear and tear operating cause 11 4 2 3 f development of poor electrical and electronic 11 4 2 3 d electronic or electrical breakdown or failure unless
24. d by or to any of the following e property in the open unless the property is designed or intended to operate in the open e any process which uses or applies water e deterioration wear and tear or any gradually operating cause e mechanical electronic or electrical failure e breakdowns or breakages e rust corrosion or mildew e moths or other insects or their larvae vermin rodents or your own domestic pets 4 3 3 5 Bursting leaking or overflowing of pipes water apparatus or oil fired heating apparatus 4 3 3 6 We do not compensate you for damage to the apparatus or pipes themselves Other loss or damage Loss or damage from theft or attempted theft From the Home and Outbuildings 4 3 12 6 inside the building of a business where your Household Goods are being made up altered renovated repaired cleaned or dyed if there are visible signs of forced entry or exit up to the limit shown in the schedule From the Grounds of your Homes and Outbuildings 4 3 13 We compensate you up to the limit shown in the schedule for loss from theft of the following goods if they are stolen from the grounds of your Home and Outbuildings 4 3 13 1 laundry 4 3 13 2 garden and swimming pool furniture and equipment pool safety nets and covers allsure upgrade wording Loss of or damage to guests property 4 3 19 We compensate you up to the limit shown in the schedule for Household Goods and personal belongings of a guest living wit
25. ees own look after or control other than model aircraft surfboards or paddle skis Fines and penalties Moved to the GENERAL section Fines and penalties 5 5 7 We do not compensate for any punitive damages fines or penalties that you are held liable for Liability related to pollution or contamination Moved to the GENERAL section Liability related to pollution or contamination 5 5 9 We do not compensate for Liability related to pollution or contamination of any type This includes the cost of cleaning up or replacing any property damaged by pollution or contamination Changes to the wording allsure upgrade wording Revised wording 13 4 Compensation 13 4 1 The compensation includes the following e the amounts you are liable for e legal costs of the other person that you are liable for e costs that you incur to settle or defend the claim against you with our permission 13 4 2 we will only pay compensation above the following the following limits e R5 000 000 for the Personal Liability section e R1000 000 for the Vehicle Liability section e R1000 000 for the Watercraft Liability section 13 4 Compensation 13 4 1 The compensation includes the following e the amounts you are liable for e legal costs of the other person that you are liable for e costs that you incur to settle or defend the claim against you with our permission 13 5 What we do not insure Claims arising from a contract Moved to the
26. f any lawfully established authority in controlling preventing suppressing or in any other way dealing with any such occurrence 3 7 13 If we allege that by reason of 3 7 12 1 3 7 12 2 3 7 12 3 3 7 12 4 and 3 7 12 5 loss or damage is not covered by this extension the burden of proving the contrary will rest on you What we do not insure What we do not insure We do not compensate for certain causes Moved to the various sections 3 8 7 We do not compensate you for claims for loss damage bodily injury or Liability arising from any of the following 3 8 7 1 wear and tear rust mildew corrosion decay or erosion 3 8 7 2 electronic or electrical breakdown or failure 3 8 7 3 breakdowns or breakages 3 8 7 4 rust corrosion or mildew 3 8 7 5 moths vermin insects or your own domestic pets 3 8 7 6 processes of dyering cleaning or renovating 3 8 7 7 the action of light or climatic conditions 3 8 7 8 spontaneous combustion Enhancements to the wording Definitions Definitions Included definition for Start Date and Schedule Start Date means the latest of the following dates e the date on which insurance starts as given in the schedule e the date that any change to your policy became effective Schedule this sets out the type of insurance you have bought the people who are insured the period of insurance the amounts you are insured for the excesses that apply and the premium you must pay any changes to your p
27. h you temporarily if they do not have any other insurance 4 3 20 To receive compensation the insured event must have taken place at the Home and Outbuildings 4 3 21 This excludes money and negotiable instruments for example cheques 4 3 22 We do not compensate you for loss or damage from theft or attempted theft as shown in 4 3 12 to 4 3 15 Damage to Household Goods in transit 4 3 28 We compensate you up to the limit shown in the schedule for your Household Goods while you are taking them to or from any place of purchase repair or renovation 4 3 29 We only compensate you if the damage is caused during transit by fire collision or the motor vehicle carrying the goods overturning Accidental damage to audiovisual equipment 4 3 40 We compensate you for accidental damage to any of the following Household Goods 4 3 40 1 television sets video recorders decoders satellite dishes or aerials 4 3 40 2 sound reproduction equipment DVD players including Blu ray players 4 3 40 3 proximas and multi media projectors 4 3 41 We do not compensate you for loss or damage to 4 3 41 1 Household Goods that are not in the Home and Outbuildings 4 3 41 2 damage caused by mechanical or electric breakdown Liability arising from a contract 4 3 56 We do not compensate for Liability arising from a contract you entered into unless you would have been liable if there were no contract Fines and penalties 4 3 58 We do not compensate for
28. larm system 4 6 9 If the schedule states that you have an alarm system we compensate you for theft or attempted theft only if at the time of the theft or attempted theft all the following conditions are met 4 6 9 1 the alarm system is installed 4 6 9 2 the alarm system is in working order 4 6 9 3 none of the passive infrared motion detectors of the alarm system are obstructed or bypassed 4 6 9 4 if your Home and Outbuildings are left unattended the alarm is armed for the entire Home and Outbuildings Enhancements to the wording 4 1 Definitions in this section Other loss or damage While moving Household Goods to a new Home 4 3 14 We compensate you up to the limit shown in the schedule for loss from theft of the Household Goods while professional movers are moving them when you permanently move home Revised wording Security measures Alarm system 4 6 9 If the schedule states that you have an alarm system we compensate you for theft or attempted theft only if at the time of the theft or attempted theft all the following conditions are met 4 6 9 1 the alarm system is installed 4 6 9 2 the alarm system is in working order 4 6 9 3 if your main home is left unattended the alarm is armed for the entire Home and Outbuildings and none of the passive infrared motion detectors of the alarm system are obstructed or bypassed 4 1 Definitions in this section Wild baboons or wild monkeys means wild
29. le Changes to the wording allsure upgrade wording Insured events Loss or damage by insured events 4 3 3 3 Storm wind water flood hail or snow Except for loss or damage to goods in the open unless they are intended to operate in the open 4 3 3 5 Bursting leaking or overflowing of pipes and water apparatus 4 3 3 6 We also compensate you for loss or damage to Household Goods caused by bursting leaking or overflowing of pipes or oil fired heating apparatus We do not compensate you for damage to the apparatus or pipes themselves Other loss or damage Loss or damage from theft or attempted theft From the Home and Outbuildings 4 3 12 6 inside the building of a business where your Household Goods are being made up altered renovated repaired cleaned or dyed if there are visible signs of forced entry or exit From the Grounds of your Homes and Outbuildings 4 3 13 We compensate you up to the limit shown in the schedule for loss from theft of the following goods if they are stolen from the grounds of your Home and Outbuildings 4 3 13 1 laundry 4 3 13 2 garden and swimming pool furniture and equipment pool safety nets and covers 4 3 13 3 Household Goods or personal belongings MUTUAL FEDERAL Authorised Financial Services Provider A Monier cl Gv SA OLD MUTUAL croup Revised wording Insured events Loss or damage by insured events storm flood wind water hail or snow except for loss or damage cause
30. nal This insurance is optional You must refer to your schedule to see if you have it and the excess that applies We do not compensate you for loss or damage caused by 4 3 58 1 Wear and tear rust mildew corrosion or decay moths vermin or other insects or their larvae or your own domestic pets 4 3 58 2 depreciation or any gradual operating cause process of dyeing cleaning or renovating 4 3 58 3 the action of light or climatic condition 4 3 58 4 electronic electrical and mechanical breakdown 4 3 58 5 overwinding of items such as clocks 4 3 58 6 cracking scratching denting or chipping of furniture glass glassware jewellery or other brittle articles 4 3 58 7 confiscation or detention by any process of law 4 3 58 8 deliberate power cuts or load shedding 4 3 58 9 consequential damage of any nature 4 6 Special conditions You must give proof of ownership 4 6 1 You must give us acceptable proof that you owned an item or acceptable proof of its value if we ask for it You must keep jewellery and watches in a safe 4 6 5 If you are not wearing the jewellery or watch you must keep it in a securely locked wall or floor mounted safe We will not compensate you for loss or damage caused by theft or attempted theft for more than the safe warranty limit as shown in the schedule if you do not lock the item in a safe while you are not wearing it allsure upgrade wording You must have effective security measures A
31. nitions in this section You means the policyholder and other people we insure under this section Insured items means any household appliances described in the schedule Some examples are e televisions DVD players hi fi s home theatre systems e fridges stoves ovens microwaves e washing machines tumble dryers dishwashers Home means the main buildings and Outbuildings situated at the address shown in the schedule 16 2 Who we insure Under this section we insure e the policyholder e members of the policyholder s family who live with them 16 3 What we insure We compensate you for sudden mechanical and electrical damage to the insured item that you could not have foreseen We compensate you if at the time of the damage the insured item was 16 3 1 in the Home 16 3 2 in transit to a place of service or repair 16 3 3 in a place of service or repair 16 4 What we do not insure Loss or damage that we do not insure Theft 16 4 1 We do not compensate you for damage caused by theft or attempted theft MUTUAL K FEDERAL Authorised Financial Services Provider A Member of the KA OLD MUTUAL Group Revised wording 16 1 Definitions in this section You means the policyholder and other people we insure under this section Insured items means any household appliances described in the schedule Some examples are e televisions DVD players hi fi s home theatre systems e fridges stoves ovens microwa
32. nless you would have been liable if there were no contract Fines and penalties 9 10 14 We do not compensate for any punitive damages fines or penalties that you are liable for Liability related to pollution or contamination 9 10 15 We do not compensate for Liability that is related to pollution or contamination of any type This includes the cost of cleaning up or replacing any property damaged by pollution or contamination MUTUAL amp FEDERAL Authorised Financial Services Provider A Member of the So OLD MUTUAL Group Revised wording 9 5 Types of vehicle value Type 1 Reasonable retail value 9 5 2 The reasonable retail value is the price at which a car dealer sells a vehicle with its factory fitted accessories The value is based on the retail value shown for the vehicle in a recognised and current motor trade publication The vehicle s age condition and odometer readings might affect the value We will automatically adjust your premium based on the most current retail value We will do this on the anniversary date of the policy What we insure under credit shortfall An example of credit shortfall You buy a car for R160 000 You take out vehicle financing from a registered credit provider to pay off the car in instalments Under the credit agreement you owe the credit provider R220 000 If at the time the car is stolen and you still owe the credit provider R210 000 we will pay R50 000 for the credit shortfall a
33. olicy will be shown in your schedule and will form part of your policy Enhancements to the wording 3 8 What we do not insure exclusions We do not compensate for certain causes 3 8 What we do not insure exclusions We do not compensate for certain causes Included in this section i e Moved from individual sections Fines and penalties 3 8 8 We do not compensate for any punitive damages fines or penalties that you are held liable for Pollution or contamination 3 8 9 We do not compensate for Liability related to pollution or contamination of any type This includes the cost of cleaning up or replacing any property damaged by pollution or contamination Sasria is now included in the wording and schedules We will no longer be inserting loose Sasria wordings and disclosure notices in the policy wording 3 11 SASRIA 3 11 1 Sasria SOC Ltd provides cover as shown in the schedule of this policy for all sections covering your property insured 3 11 2 Sasria covers you for any accidental or intentional damage to your insured property caused by any person or group of people taking part in a riot strike lock out public disorder civil commotion or committing any act which has a political social or economic aim objective or cause or in protest against any state or government This cover is limited to events in the Republic of South Africa only 3 11 3 A full description of cover and exclusions are included in your schedu
34. re upgrade wording If you are not the first registered owner of the vehicle 9 12 6 We compensate you up to the limit stated in the schedule if you are not the first registered owner of the vehicle or after 12 months after first registration if either of the following happens to the vehicle 9 12 6 1 it is stolen or hijacked and not recovered 9 12 6 2 it is damaged and in our opinion not economical to repair 9 12 7 The limit of compensation is the Reasonable Retail value or Agreed value of the vehicle adjusted for deterioration as relevant at the time of the loss or damage less the excess amount 9 13 Special conditions You must pay costs of returning the vehicle to South Africa 9 13 6 If loss or damage occurs to the vehicle outside South Africa but within the countries that you are insured you are responsible for all costs you incur in bringing the vehicle back to South Africa We do not compensate you for these costs 9 13 7 Until the vehicle has been brought back to South Africa we will not consider any claim for loss or damage to the vehicle Enhancements to the wording 9 4 Types of vehicle use 1 Domestic use Social private recreational travel and travel to and from work It excludes any business travel 2 Business use Occasional business travel and social private recreational travel and travel to and from work Enhancements to the wording 9 6 Types of insurance Third party fire and theft Does not
35. reach of contract relating to any repair or alteration Loss or damage during transport including loading and unloading 10 4 7 We do not compensate you for the following loss during transport of the watercraft on land 10 4 7 1 scratches 10 4 7 2 dents 10 4 7 3 any costs that you become liable for to another person 10 4 7 4 while the watercraft is transported by a person without a valid driving licence unless the person is charged with theft or illegal use of the vehicle towing the watercraft 10 4 7 5 while the watercraft is transported by a person who is under the influence of alcohol or drugs or who has a blood alcohol level above the legal limit We compensate you up to the limit shown in the schedule Liability arising from a contract 10 5 17 We do not compensate for Liability arising from a contract you entered into unless you would have been liable if there were no contract Fines and penalties 10 5 18 We do not compensate for any punitive damages fines or penalties that you are held liable for Liability related to pollution or contamination 10 5 19 We do not compensate for Liability related to pollution or contamination of any type This includes the cost of cleaning up or replacing any property damaged by pollution or contamination MUTUAL amp FEDERAL Authorised Financial Services Provider A Member of the SA OLD MUTUAL croup Revised wording 10 4 What we do not insure General loss and damage
36. ry fitted accessories The value is based on the retail value shown for the vehicle in a recognised and current motor trade publication The vehicle s age condition and odometer readings might affect the value We do not show this retail value in the schedule as it changes frequently We will automatically adjust your premium based on the most current retail value We will do this on the anniversary date of the policy What we insure under credit shortfall An example of credit shortfall You buy a car for R160 000 and insure it for that value You take out vehicle financing from a registered credit provider to pay off the car in instalments Under the credit agreement you owe the credit provider R220 000 If the car is stolen and you still owe the credit provider R210 000 we will pay R50 000 for the credit shortfall as well as the R160 000 being the retail or agreed value for the car What we do not insure under credit shortfall 9 7 15 3 if the vehicle is subject to an instalment agreement that includes a residual payment the maximum amount we will pay is the credit shortfall amount that would have existed if the vehicle was financed under a standard instalment agreement without a residual payment The relevant time for this recalculation of the credit shortfall will be the month in which the claim is settled Liability arising from a contract 9 10 13 We do not compensate for Liability arising from a contract you entered into u
37. s caused by power surges from accidental changes in the power supply of a public supply authority We do not compensate you if the main electrical distribution boards of the Private Home are not protected with surge protectors lightning arrestors or other protection devices installed to SANS 10142 specification We look after the lender s rights 6 5 5 If you act or fail to act in a way that leads to the rejection of your claim for loss or damage we will still compensate the lender if 6 5 5 1 the lender did not know of the act or omission which resulted in the rejection of the claim 6 5 5 2 the lender tells us of the act or omission as soon as it becomes aware of it and 6 5 5 3 the rejection of the claim was not due to fraud dishonesty misrepresentation or any event deliberately caused by you or any person colluding with you allsure upgrade wording 6 6 Special conditions Alarm system 6 7 3 If the schedule states that you have an alarm system we compensate you for theft or attempted theft only if at the time of the theft or attempted theft all the following conditions are met 6 7 3 1 the alarm system is installed 6 7 3 2 the alarm system is in working order 6 7 3 3 none of the passive infrared motion detectors of the alarm system are obstructed or bypassed 6 7 3 4 if your Private home is left unattended the alarm is armed for the entire Home and Outbuildings Enhancements to the wording 6 1 Definition
38. s in this section Other loss or damage Keys locks and electronic security devices Revised wording 6 6 Special conditions Alarm system 6 6 3 If the schedule states that you have an alarm system we compensate you for theft or attempted theft only if at the time of the theft or attempted theft all the following conditions are met 6 6 3 1 the alarm system is installed 6 6 3 2 the alarm system is in working order 6 6 3 3 if your Private Home is left unattended the alarm is armed for the entire Home and Outbuildings and none of the passive infrared motion detectors of the alarm system are obstructed or bypassed 6 1 Definitions in this section Wild baboons or wild monkeys means wild baboons or wild monkeys that live freely in the natural surroundings and are not kept as pets or farm animals or kept confined in any way Other loss or damage Keys locks and electronic security devices Keys locks and electronic security devices 6 3 28 We compensate you up to the limit shown in the schedule for reasonable costs to repair or replace lost or damaged 6 3 28 1 keys including card keys 6 3 28 2 locks 6 3 28 3 remote controls Damage by wild baboons or wild monkeys 6 3 30 We will compensate you up to the limit shown in the schedule for loss or damage to your Private Home caused by wild baboons or wild monkeys MUTUAL amp FEDERAL il Rist Authorised Financial Services Provider A Member of the
39. s well as the R160 000 being the retail or agreed value for the car What we do not insure under credit shortfall 9 7 15 3 if the vehicle is subject to an instalment agreement that includes a residual payment the maximum amount we will pay is the credit shortfall amount that would have existed if the vehicle was financed under an instalment agreement without a residual payment The relevant time for this recalculation of the credit shortfall will be the month in which the claim is settled Liability arising from a contract Moved to the GENERAL section Fines and penalties Moved to the GENERAL section Liability related to pollution or contamination Moved to the GENERAL section allsure upgrade wording Car hire Optional When and how we compensate you for car hire 9 7 29 We compensate you for hiring a car following loss or damage to the vehicle in any of the following circumstances 9 7 29 1 if the vehicle cannot be driven 9 7 29 2 if the vehicle is being repaired 9 7 29 3 if the vehicle is stolen and not recovered 9 11 What we do not insure We do not compensate you under the Motor section for claims for any of the following 9 11 1 deterioration in value resulting from repairs after an Insured event 9 11 2 Wear and tear mechanical electronic or electrical breakdowns failures or breakages 9 11 3 Damage to the tyres caused maliciously or by punctures cuts and bursts or by applying brakes 9 11 4 Any authority
40. te recreational travel and travel to and from work It includes occasional business travel 2 Business use Business and professional travel social private recreational travel and travel to and from work 9 6 Types of insurance Third party fire and theft Does not apply to Caravans and Trailers Golf cars Recreational tractors three and four wheeled motorised vehicles 9 6 2 4 Cost to tow and store 9 8 Third Party Fire and Theft Costs to tow and store the vehicle following Fire Theft and attempted Theft 9 8 6 You must use our service provider for towing and storage after a fire theft or attempted theft If you do not use our approved service provider the compensation for towing and storage will be limited to the amount shown in the schedule 9 8 7 After fire theft or attempted theft we will pay the costs of towing and storage You must contact our 24 hour call centre on 0860 247 365 to arrange towing and storage with one of our approved service providers Changes to the wording allsure upgrade wording 10 4 What we do not insure General loss and damage 10 4 2 We do not compensate you for loss or damage caused by 10 4 2 1 wear tear and depreciation in value over time 10 4 2 2 corrosion rusta and deterioration 10 4 2 3 household pests such as moths or vermin 10 4 2 4 any part of the watercraft which is condemned only because of a fault in the design or construction 10 4 2 5 a defect from negligence or b
41. terioration in value resulting from repairs after an Insured event 9 11 2 depreciation mechanical electronic or electrical breakdowns failure or breakages 9 11 3 damage caused by gradual operating causes such as wear and tear rust mildew corrosion erosion or decay 9 11 4 damage caused by moths or other insects or their larvae vermin rodents or your own domestic pets 9 11 5 damage to the tyres caused maliciously or by punctures cuts and bursts or by applying brakes or by distortion of the tyre 9 11 6 any authority lawfully taking or impounding the vehicle or any part of the vehicle Revised wording 9 12 Compensation Limit of compensation For first owners of new vehicles vehicle types A B and C only 9 12 3 We compensate as follows if you are the first registered owner of a new vehicle and within 12 months of registration if either of the following happens to the vehicle 9 12 3 1 it is stolen or hijacked and not recovered 9 12 3 2 it is damaged and in our opinion not economical to repair 9 12 4 For vehicles insured with a Reasonable Retail value the limit of compensation is 9 12 4 1 the current purchase price of a new vehicle of the same model or similar model if the same model is not available at the time of the loss or damage less any excess 9 12 5 For vehicles insured with an Agreed value the limit of compensation will be the Agreed value adjusted for deterioration less any excess amount allsu
42. to insure the appliance once it is repaired or if it cannot be repaired Revised wording 16 5 Compensation How we compensate you 16 5 1 We can choose one or more of the following ways to compensate you 16 5 1 1 paying the costs of the damage 16 5 1 2 replacing whatever is damaged 16 5 1 3 repairing whatever is damaged Limit of compensation 16 5 2 We compensate you up to the limit shown in the schedule Excess 16 5 3 There is an excess in the schedule for each item we insure under this section This is the amount that you pay before we compensate you 16 6 Special conditions Choice of compensation of we cannot get parts or manual Removed No longer insuring an appliance Removed 16 6 1 You must give us acceptable proof that you own an item or acceptable proof of its value if we ask for it MUTUAL amp FEDERAL Authorised Financial Services Provider A Member of the A OLD MUTUAL Group Changes to the wording allsure upgrade wording Revised wording What we do not insure What we do not insure Liability related to your work business and property Liability related to your work business and property 5 5 3 3 aircraft vehicles or watercraft that you or your domestic employees own look after or control other than model aircraft surfboards or paddle skis 5 5 3 3 aircraft vehicles or watercraft as defined in the Motor and Watercraft sections that you or your domestic employ
43. ves e washing machines tumble dryers dishwashers Home means the main buildings and Outbuildings situated at the address shown in the schedule 16 2 Who we insure Under this section we insure e the policyholder e members of the policyholder s family who live with them 16 3 What we insure 16 3 1 We compensate you for sudden mechanical and electrical damage to the insured item that you could not have foreseen 16 3 2 We compensate you if at the time of the damage the insured item was in the Home 16 4 What we do not insure Loss or damage that we do not insure Theft 16 4 1 We do not compensate you for damage caused by theft or attempted theft Wear and Tear and deterioration 16 4 2 We do not compensate you for gradual causes such as wear and tear rust mildew corrosion decay erosion deterioration this includes damage from light sunlight or normal climatic conditions Household pests and pets 16 4 3 We do not compensate you for loss or damage caused by household pests such as moths or other insects or their larvae vermin and rodents or your own domestic pets allsure upgrade wording Damage to certain appliances 16 4 2 We do not compensate you for 16 4 2 1 rear projection televisions 16 4 2 2 speakers 16 4 2 3 unofficially imported appliances These are also known as grey or parallel imports 16 4 2 4 television decoders PVR decoders and satellite dishes 16 4 2 5 appliances that are older
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