| Term |
Definition |
| Accidental Damage |
Damage caused by violent and external means including flood, hurricane
and earthquakes. |
| Breakdown |
Damages resulting from electrical or mechanical defect causing a sudden
and unforeseen stoppage to any equipment. |
| Buildings |
The buildings of the private dwelling house or private flat situated
as herein described and of all domestic offices, stables, garages
and outbuildings used solely in connection therewith and on the same
premises and shall include landlord’s fixtures therein and the
walls, gates and fences around any pertaining thereto. |
| Contents |
Furniture household goods and personal effects (except any specifically
insured hereunder as separate items) the property of the insured or
for which he is legally responsible contained in the dwelling house. |
Electronic Equipment |
Musical Instruments, radios, televisions, other
radio or video equipment and personal computers. |
| Excess |
The first part of a claim which the Policy Holder must pay. If claims
are made under two or more sections of the policy for loss or damage
caused by the same insured event, only one Excess will be deducted
from the total amount of the agreed claim. |
| Fees |
Architects’, surveyors’, consulting engineers’
and other professional fees which you have to pay in connection with
repairing or reinstalling the Buildings. |
Freezer |
Any deep freezer and/or the deep freezer compartment of your refrigerator. |
| Home |
Building and contents used for domestic purposes ONLY, at the address
shown in the schedule. |
| Household/Insured Person |
You, members of your family habitually living with you and your domestic
staff. |
| Injury |
Bodily Injury (excluding death) caused solely by an accident and
not by sickness, disease or gradual deterioration. |
| Loss of Limbs/Eyes |
Total loss by physical separation or total loss of use of a limb
at or above the wrist or ankle, or total and irrecoverable loss of
sight in one or both eyes. |
Money |
“Money” shall mean Cash, Bank and Currency Notes, Postal
Orders, Money Orders, Cheques, unused National Insurance Stamps, Postage
Stamps, Revenue Stamps, all pertaining to the Business and belonging
to the Insured or for which he is responsible. |
Personal Computer |
A microcomputer intended to be used by one person at a time, and suitable
for general purpose tasks such as word processing, programming, or
game play, usually used to run purchased or other software not written
by the user in your household. |
|
Personal Effects |
Articles normally worn, used or carried about the person in everyday
life. |
Removal of debris |
Any amount which we agree to pay for removing debris, for demolishing,
propping or shoring up parts of the building which has not been damage. |
Travelling |
The act of going from one place to another. |
| Unfurnished Premises |
Not fitted up with all necessary and usual appliances (including
but not limited to moveable furniture) for daily living. |
Unoccupied Premises |
If the building insured or containing insured property is not lived
in by any member of your house hold or by any other person with your
permission and remains unoccupied for a period exceeding thirty (30)
days. |
Valuable and Portable Possessions |
Jewellery, items of gold, silver or other precious metals, watches,
photographic equipment, binoculars, works of art, curios, furs, firearms,
stamp, coin and medal collections |
