Benefit Limit Annexure - discovery.co.za

1 Benefit Limit AnnexureBenefit Limit AnnexureThis Annexure is to be read in conjunction with your Discovery Insure Plan Schedule and your Discovery Insure Plan Guide. This Annexure replaces all previous annexures received from and insured eventsEssential PlanClassic Plan Purple Plan GeneralClaims preparation costsR1 500R5 000R10 000 Jewellery, watches, art and collectible items: our liability for any one item, pair or set without a valuation certificateR3 000R5 000R25 000 VehiclesCar hireMotor vehicle and motorcycle30 or 60 days if selected and stated in the Plan Schedule30 days included or 60 days if selected and stated in the Plan Schedule30 days included or 60 days if selected and stated in the Plan ScheduleMotor vehicle xpress RepairsFive days if selected and stated in the Plan ScheduleFive days includedFive days includedCredit shortfall (if optional Benefit is selected)

2 R150 000R250 000R250 000 Emergency repairsR5 000R7 500R20 000 Incorrect FuelLimited to one event in any 12 month period up to R10 000 Limited to one event in any 12 month period up to R10 000 Limited to one event in any 12 month period up to R20 000 Keys, locks and remote control unitsR2 500 Retail value up to R20 000 Retail valueRecovery costs following theft or hijackR2 500R5 000R20 000 RepatriationR7 500R20 000R50 000 Third party liabilityR3 000 000R10 000 000 with option to buy up*R50 000 000 Towing and storageWhen arranged and authorised through the Discovery Insure call centre (0860 999 911)UnlimitedUnlimitedUnlimitedWhen not arranged and authorised through the Discovery Insure call centreR2 000R2 000R2 000 Trauma coverFour sessions per family member including domestic staff in any 12 month periodFour sessions per family member including domestic staff in any 12 month periodFour sessions per family member including domestic staff in any 12 month periodVehicle modification following disabilityR100 000R100 000R100 000 Rats and pestsLimited to one event in any 12 month period up to R10 000 Limited to one event in any 12 month period up to R20 000 Limited to one event in any 12 month period up to R20 000 Warranty (if optional Benefit is)

3 Selected)Up to sum insuredUp to sum insuredUp to sum insuredBuildingsAccidental damageR10 000R20 000Up to the sum insuredAccidental damage to fixed glass, mirrors and sanitary wareR5 000 per item up to R20 000 per claimR5 000 per item up to R40 000 per claimUp to the sum insuredDamage to gardensPlan exclusionR10 000R20 000 HomeProtector (emergency accommodation)R1 500R3 000R10 000 HomeProtector (security guards)24 hours48 hours2 weeksKeys, locks and remote control unitsR2 500R5 000R20 000 Power surgeUp to the sum insuredUp to the sum insuredUp to the sum insuredRent and alternative accommodationUp to 20% of the sum insuredUp to 20% of the sum insuredUp to 20% of the sum insuredRemoval of fallen treesPlan exclusionR5 000R10 000 SectionBenefits and insured eventsEssential PlanClassic Plan Purple Plan BuildingsPublic supply or mains connectionReasonable costsReasonable costsReasonable costsPublic authorities requirementsReasonable costsReasonable costsReasonable costsFire brigade chargesReasonable costsReasonable costsReasonable costsDebris removal.

4 Demolition and professional feesReasonable costsReasonable costsReasonable costsSwimming pool filters and borehole pumpsPlan exclusionR20 000R30 000 Pipes and water heating systems wear and tearOptional Benefit (if selected)Limited to two events in any 12 month period up to R12 500. Resultant damages to contents limited to R5 000 Limited to two events in any 12 month period up to R25 000. Resultant damages to contents limited to R15 000 Included. Limited to two events in any 12 month period up to R50 000. Resultant damages to contents limited to R25 000 Loss of water from leaking pipesPlan exclusionR5 000 limited to two separate events in any 12 month periodR25 000 limited to two separate events in any 12 month periodHousehold contentsTheft or attempted theft without violent & forcible entryJewellery and watches per item.

5 Pair or set not in use and not in safeR5 000R20 000R50 000R6 000R10 000R50 000 From any domestic outbuildingsPower surgeR5 000 per eventR10 000 per eventUp to sum insuredBusiness goods and equipmentPlan exclusionR50 000R100 000 Cover inside a building or office where you are employedPlan exclusionR5 000R15 000 Theft cover when you are permanently moving to a new risk address R10 000 per eventR50 000 per eventR100 000 per eventBreakage to articles like glass, crockery and china, if packed by a registered removal companyR10 000R50 000R100 000At any registered furniture storage depotPlan exclusionIncluded up to the sum insuredIncluded up to the sum insuredAccidental damageTelevision sets and glassItem sum insuredItem sum insuredItem sum insuredOptional Benefit (including power surge) (if selected)Up to 10% of the sum insured per claim20% or 100% of the sum insured, as selected and stated in the Plan ScheduleIncluded up to the sum insuredFridge and freezer contentsR3 000 limited to one event in any 12 month periodR5 000 limited two events in any 24 month periodUnlimitedHomeProtector (security guards)

6 24 hours48 hours72 hoursGifts at dwelling for special eventsPlan exclusionR5 000R50 000 Goods in the openIncluded benefitR5 000R10 000R50 000 Optional Benefit (if selected)Increased to R100 000 Increased to R100 000 Increased to R100 000 Groceries and household goods in transitR1 500R5 000R50 000 Keys, locks and remote control unitsR2 500R5 000R20 000 Personal documentsR1 000R2 000R20 000 Personal effects of guests and domestic employeesR2 500R5 000R20 000 Rent and alternative accommodationUp to 20% of the sum insuredUp to 20% of the sum insuredUp to 20% of the sum insuredFire brigade chargesReasonable costsReasonable costsReasonable costsTrauma coverFour sessions per family member, including domestic staff, in any 12 month periodFour sessions per family member, including domestic staff.

7 In any 12 month periodFour sessions per family member, including domestic staff, in any 12 month periodwSectionBenefits and insured eventsEssential PlanClassic Plan Purple Plan Portable possessionsGeneral clothing and personal effectsR1 500 per item, pair or set20% of the sum insured with a maximum of R10 000 per item, pair or set25% of the sum insured with a maximum of R150 000 per item, pair or setWatercraftLiability to othersR2 000 000R2 000 000 with option to buy up*R50 000 000 Credit shortfall (if optional Benefit is selected)R150 000R250 000R250 000 Emergency and rescue expensesR5 000R5 000R10 000 Personal liabilityLiability to othersR2 500 000 with option to buy upR2 500 000 with option to buy upR50 000 000 Cash cards and credit cardsR1 500 per 12 month periodR3 000 per 12 month periodR25 000 per 12 month periodFull-houseR1 500R2 000R10 000 Hole-in-oneR1 500R2 000R10 000 Medical expenses of guests and domestic employeesR3 000R5 000R10 000 Tenant s liabilityR1 000 000R1 000 000R5 000 000 Wrongful arrestPlan exclusionR50 000R100 000 Value added servicesEmbedded Legal Support2 calls per month for legal advice 2 contracts per month via call centre (unlimited access if)

8 Online)2 calls per month for legal advice 2 contracts per month via call centre (unlimited access if online)2 calls per month for legal advice 2 contracts per month via call centre (unlimited access if online)Premium Legal Support- Unlimited calls for legal advice - Unlimited access to an extended list of contracts- Unlimited calls for legal advice - Unlimited access to an extended list of contracts- Unlimited calls for legal advice- Unlimited access to an extended list of contracts* The option to buy up under motor third party liability and watercraft liability is only available if the client has buildings or household contents cover.

9 Please note that the Limit under motor third party liability and watercraft liability is automatically increased if the client selects to buy up under their personal liability cover. GM_73361IN_14/05/2020_V2 Discovery Insure Ltd is an authorised financial services provider. Registration number 2009/011882/06. Limits, maximum fuel, Uber and Gautrain spend limits, terms and conditions apply. Full product details including limitations can be found on our website, or you can call 0860 751 751. Discovery Contact Centre 0860 751 751 | |