October Free GIT Insurance Madness Terms and conditions

Road freight

Goods in Transit

Loss or damage to property whilst in transit to customers (including goods returned) within normal South African geographical limits including Botswana, Namibia, Zimbabwe, Mozambique, Swaziland and Lesotho, including goods supplied to the insured, where the insured is liable in terms of their contract conditions.

Deductibles

• Excesses: 15% of claim minimum R 3500-00 for loss or damage, but 20% of claim for Hijack / Armed robbery
• Salvage and recovery of loads: R3500-00
• Debris removal: R 3500-00

Conditions / Exclusions

2) Warranted – no overloading of vehicle

3) Warranted – no cover whilst driver under the influence of intoxicating liquor/drugs with knowledge of insured

4) Warranted – all vehicle drivers in possession of valid driver’s licence / PDP, as necessary

Marine imports / exports

Importation of goods and other cargo per FCL/LCL including trans-shipments anywhere in the world until delivered to the insured.

Excess

• Excesses: 15% of claim minimum R 3500-00 for loss or damage, but 20% of claim for Hijack / Armed robbery
• Salvage and recovery of loads: R 3500-00
• Debris removal: R 3500-00

E. & O.E.

Special remarks

• War risks are included
• Sasria (riot) not included

Exclusions

The Insurer shall not be liable to pay:

1. for loss of or damage to livestock, live fish, animals, explosives, arms, ammunition, jewellery, platinum, gold and silver articles, precious stones, bullion, specie, cash, stamps, bank notes, deeds, bonds, bills of exchange or other documents representing money, antiques, oriental carpets, artwork, sculptures, used household goods and personal effects, plants, perishables, frozen/chilled products, tobacco products (excluding raw tobacco), alcoholic beverages, copper and copper products, computer motherboards, memory chips and computer drives in isolation, cobalt , nickel, zinc and other high valued metals and ores, cellular phones/cards and similar items, unless specifically agreed by underwriters.
2. for goods insured elsewhere – goods insured elsewhere are excluded from cover under this policy and the Insurer shall bear no liability whatsoever in respect of loss or damage howsoever arising to such goods.
3. for breakage, leakage, spillage, scratching, denting, chipping, cracking or bruising unless caused by (a) fire (b) an accident to the vehicle/train (c) an object falling onto the vehicle/train or (d) loading and unloading.
4. for loss or damage caused by weather to loads not securely or adequately covered, atmospheric conditions, delay, loss of market, depreciation, deterioration, wear and tear, vermin, defective packing or hooks.
5. for loss or damage arising from the dishonesty of any partner, member, director or employee of the Assured (whether acting alone or in collusion with others), and/or Agent and/or Representative of the Insured or the Carrier. This exclusion shall not be applicable to the driver and/or co-driver of the vehicle (excluding partners, members or directors of the Assured) from which the loss or damage occurred subject to an excess applicable equal to the excess applicable to Hijacking losses as stated within this policy.
6. for mechanical and/or electrical derangement of machinery unless resulting from damage consequent upon a risk insured against.
7. for theft of property from unattended road vehicles in transit owned by or under the control of the Carrier and/or his or their Bailees or Agents or Representatives, including the sub-contractor, unless such theft or pilferage or attempt thereat is accompanied by actual forcible and violent entry into the vehicle. Open and/or tarpaulin covered vehicles are to be attended at all times.
8. for deterioration unless following an accident to the conveying vehicle, hijack, fire or theft.
9. for loss or damage due to the load falling off the conveying vehicle as a direct result of incorrect, insufficient and/or inadequate lashing of the cargo.
10. for loss or damage due to inherent vice or defect, vermin, insects, damp, mildew or rust.
11. for loss or damage due to detention, confiscation or requisition by customs or other officials or authorities.
12. for spillage and/or clean up costs of cargo following a loss or accident.

NOTE: For the purpose of this insurance a vehicle mounting the kerb does not constitute an accident or a collision.