If a peril is excluded under the fire section, it will also be excluded under accidental damage.

If a claim is not paid in full due to average being applied on the Fire section, the insured can claim the reduction under Accidental Damage section.

If the client is insured for total loss under Accidental Damage, we will use the first loss amount to calculate average

The client has a valid claim and is insured on first loss basis under accidental damage, however, he is under insured on the Fire section. Which amount will we use to calculate average?

A client wants to claim after a customer reversed his vehicle into one of the storage shelves in his warehouse and damaged some contents. We can settle the claim under Accidental Damage.

The client is claiming for accidental damage to money. The money was accidentally destroyed when an employee fell while holding an open can of paint and it splashed on the money. The claim amounts to R20 000 and client is insured for R120 000. How will we settle the claim?

Accidental damage is linked to the fire section and shares the same sum insured as the Fire section?

Which of the following events CAN be covered under the Accidental Damage section?

Accidental Damage will?

The client had a disagreement with one of his customer. In his angry haste, the customer destroyed some of the client’s stock. Where will the damage to the stock be covered?