Buildings combined insurance

• Alterations and misdescription.
• Architects and other professional fees.
• Capital additions.
• Demolition and clearing costs.
• Deterioration of foodstuffs.
• Dye-lots, colours, patterns and textures.
• External signs, blinds, canopies, gate motors, borehole and pool pump machinery and equipment.
• Fire extinguishing charges.
• Gardens, garden furniture and water features.
• Limitations: Money and stamps (up to the maximum as stated on your policy schedule), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media (limited to cost of materials and labour).
• Loss of water.
• Malicious damage.
• Mortgagee clause.
• Municipal plans scrutiny fees.
• Obsolete items.
• Prevention of access (only applicable to rent).
• Property removed temporarily.
• Public authorities' requirements.
• Railway and other subrogation clause.
• Reinstatements and replacements.
• Removal of fallen trees.
• Security firms (only applicable to legal liability).
• Security costs.
• Tenants' clause.

• Bursting or overflowing of geysers and water pipes.
• Documents connected to your business or for which you're responsible.
• Escalation.
• Fidelity guarantee.
• Geyser and water pipes wear and tear.
• Locks and keys.
• Money.
• Office contents.
• Power surges.
• Riots and strikes.
• Subsidence and landslip.
• Trustees' indemnity.

Loss or damage to property due to or caused by

• Acts of nature during alterations and additions while the structure is unroofed or partially roofed.
• Accidental damage to sanitary ware, fixed mirror glass and fixed glass doors during alterations and additions.
• Scorching.
• Defects in design or construction or absence of approval from the relevant local authorities.
• Construction, alteration or repairs, or defective workmanship or materials.
• A lack of maintenance.
• A tsunami or tidal wave.
• The underground workings of a mine.
• Exposure to heating, drying or water processes.
• Damage to retaining walls (unless designed and built according to structural engineering specifications).
• Goods left in the open (unless the goods are designed for such use).
• Structures that aren't completely roofed (unless otherwise stated on your policy schedule).
• Retaining walls, drains or a constructed water course.
• Property that's stolen, or is damaged while being stolen.
• Thieves entering or exiting the premises.
• Removal or demolition because of an attempted or successful theft at your building.
• Stoppage, slowing down or interruption of work or processes.
• The building is unoccupied for more than 30 consecutive days, vacant, or abandoned.
• Additional costs resulting from the unavailability of matching materials.
• The underpinning of foundations.
• Consequential loss (other than rent or alternative accommodation).