Conditions of cover. We will only reimburse under this Insured Event if:
4.1.4.1 The loss occurred due to the conduct of a fraudulent third party;
4.1.4.2 The Funds Transfer was effected without collaboration from You or any person You are familiar with and/or authorised to make use of the Computer Device;
4.1.4.3 You have first sought reimbursement from the Financial Institution that holds the Account from which the funds were transferred;
4.1.4.4 The Loss of Funds must be irrecoverable, in whole or in part, from Your Financial Institution or Your payee;
4.1.4.5 The Funds Transfer must have occurred during the Period of Cover;
4.1.4.6 You must immediately (but no later than 24 hours after becoming aware of a Loss of Funds) notify the Financial Institution from which the Funds Transfer was effected, or transferred to, to avoid a further Loss of Funds occurring;
4.1.4.7 In the event of Your Computer Device being stolen You must, within at least two hours of the discovery of the theft event, request that Your Financial Institution delink Your Accounts linked to the stolen device, cancel all related debit and credit cards and change all passwords and logins accordingly to mitigate the potential loss due to fraud;
4.1.4.8 You must take all reasonable and practical steps to discover the guilty party and to recover the Loss of Funds.
Conditions of cover. We will only reimburse You if:
4.2.4.1 Your online purchase is made during the Period of Cover and the purchase price has been paid in one amount (no instalment purchases);
4.2.4.2 It can be proven, in the form of written evidence, that You have made reasonable efforts to assert Your legal or contractual rights to:
4.2.4.2.1 obtain a repair, replacement or subsequent delivery of non-defective goods from the seller in case of damage to the goods but You are unsuccessful;
4.2.4.2.2 obtain a new delivery of the goods or service by the seller in the event of non-delivery, incorrect delivery or non-performance but You are unsuccessful;
4.2.4.2.3 obtain reimbursement of the purchase price from the seller and/or sales platform (where relevant) after rescinding the contract in the case of omission or failure to remedy the defect or to make a subsequent delivery but You are unsuccessful;
4.2.4.2.4 obtain indemnification from the relevant postal service or courier in the case of non-delivery of an item that has proof of postage;
4.2.4.3 If the purchase contract is properly fulfilled at a later date, You must immediately repay to Us the benefits that We provided to You without being requested to do so.
4.2.4.4 All purchases must be made using legal tender.
Conditions of cover. We will only reimburse under this Insured Event if:
4.3.4.1 The identity theft is first discovered by You during the Period of Cover and reported to Us as soon as practical thereafter, and
4.3.4.2 You have notified the SAPS and provided supporting documentation to Us.
Conditions of cover. We will only reimburse under this Insured Event if:
4.4.4.1 The Data is Your personal Data and is being stored on a Computer Device belonging to You;
4.4.4.2 The loss and/or damage is first discovered by You during the Period of Cover;
4.4.4.3 The Computer Devices were in Your possession at the time of the Cyber Attack.
Conditions of cover. We will only reimburse under this Insured Event if:
4.5.4.1 The first known incident of Cyber Bullying occurred within the Period of Cover.
4.5.4.2 You provide Us, when an Insured Event occurs, with suitable written evidence of the Cyber Bullying incident.
4.5.4.3 You avail Yourself of the benefits of this coverage section within 12 (twelve) months of reporting the Insured Events to Us.
Conditions of cover. We will only reimburse under this Insured Event if:
4.6.4.1 The Cyber Extortion is first discovered by You and reported to Us during the Period of Cover;
4.6.4.2 You maintain absolute confidentiality regarding the cover provided for Cyber Extortion unless disclosure is required for legal reasons;
4.6.4.3 You immediately notify Us of the Cyber Extortion and any payments have prior approval from Us.
Conditions of cover. We will only reimburse under this Insured Event in the event that the liability claim is made directly against You and reported to Us within the Period of Cover.
Conditions of cover. The conditions of cover are as specified in this agreement, the statement of cover and attachments and any clauses referred to in the statement of cover, all of which are to be read together.
2.1.1 Any reference in the conditions of cover to Institute Clauses is to the clauses published by the International Underwriting Association of London current at the effective date of this agreement.
Conditions of cover. The payment referred to in clause 7(1) is subject to:
a. You not being in breach of any terms or conditions contained in or implied by this RA;
b. You promptly reporting to Us and the police or other relevant authority, and in any event within 24 hours, any incident involving loss or damage to the Vehicle or any other property or injury to any person;
c. You providing such information and assistance as may be requested by Us including, but not limited to, being interviewed by an investigator, or attending any Court hearing, and if necessary, authorising Us to bring, defend or settle legal proceedings. However, We shall have sole conduct of any such proceedings;
d. You giving to Us promptly every summons, complaint, demand or notice in relation to any loss or damage;
e. You submitting to any tests required by the police to determine the concentration of alcohol or drugs in Your blood;
f. You not leaving or decamping an accident without providing full particulars to all relevant persons and authorities;
g. You not being covered under any policy of insurance covering the loss or damage in which case You will not be covered by Us;
h. You not providing any false information, nor engaging in any fraudulent activity, in respect of Your hire of the Vehicle or in Your dealings with any law enforcement officer or authority during the period;
i. You not, without Our consent, making or giving any offer, promise of payment, settlement, waiver, release, indemnity or admission of liability.
Conditions of cover. Specific exceptions, conditions and provisions shall override general exceptions, conditions and provisions.
