SECTION A: PERSONAL ALL RISKS COVER –FURNITURE & CLOTHING
If any of the Property Insured described above suffers direct physical loss or damage, during the Period of Insurance the Insurer will pay to the Insured the market value or sum insured whichever is the less at the time of its loss or destruction. The loss may have arisen as a result of:
- Fire, lightning, subterranean fire, explosion, malicious acts
- Theft from the dwelling through forcible and violent entry or exit
SECTION B: ELECTRONIC EQUIPMENT AND MOBILE PHONES
This section covers accidental physical loss of or damage to the property insured described in the schedule from any cause whilst;
(a) at school or at rest anywhere within the insured’s premises as specified
(b) in transit including loading and unloading or whilst temporarily stored at any premises en route
(c) temporarily removed from the insured’s premises to any other location.
SECTION C: PERSONAL ACCIDENT
This section covers bodily injury caused by accidental, violent, external and visible means to any person (hereinafter in this section referred to as such person or student) specified in the schedule.
Permanent Disablement $ 500.00
Medical expenses $ 250.00
SECTION D: LEGAL EXPENSES COVER
This section provides cover for legal representation in respect of such legal action as hereinafter provided by payment in cash, or providing legal representation up to a value not exceeding in any one year of insurance, the sum specified in the schedule.