Excess Annexure PDF

Excess Annexure This annexure must be read in conjunction with your Discovery Insure Plan Schedule and your Discovery Insure Plan Guide. This annexure replaces all previous annexures received from us. The excess amount payable for the insured event will be the total of your basic, additional excess...

Excess Annexure This annexure must be read in conjunction with your Discovery Insure Plan Schedule and your Discovery Insure Plan Guide. This annexure replaces all previous annexures received from us. The excess amount payable for the insured event will be the total of your basic, additional excess chosen by you or applied by us. Where benefit limits are applicable, the settlement of the planholder’s claim is limited to the amounts stated in the Benefit Limit Annexure less their excess amount. Core Plan Essential Plan Classic Plan Purple Plan Section Excess description Excess Excess Excess Excess Motor Basic excess: Accidental damage, including R7,000 or your chosen amount, R6,000 or your chosen amount and R5,500 or your chosen amount and R5,500 or your chosen amount and write-off and emergency repairs minimum R5,500, any additional any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected vehicle excesses and any voluntary amount and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule selected and stated in the Plan Schedule Basic excess: Theft, attempted theft, R7,000 or your chosen amount, R6,000 or your chosen amount and R0 or your chosen amount and any R0 or your chosen amount and any hijacking, fire, lightning, explosion, storm, minimum R5,500, any additional any voluntary amount as selected voluntary amount as selected and voluntary amount as selected and water, hail, snow, flood, earthquake, excesses and any voluntary amount and stated in the Plan Schedule stated in the Plan Schedule stated in the Plan Schedule malicious damage or third party liability selected and stated in the Plan Schedule Basic excess: Windscreen and window R2,500 and any voluntary amount R1,000 or your chosen amount and R1,000 or your chosen amount and R1,000 or your chosen amount and glass replacement selected and stated in the Plan any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected Schedule and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule Windscreen repairs R0 R0 R0 R0 Basic excess: When the driver of the motor R7,000 or your chosen amount, R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as vehicle is 55 years or older minimum R5,500, any additional selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan excesses and any voluntary amount Schedule Schedule Schedule selected and stated in the Plan Schedule Basic excess: Warranty R3,000 or your chosen amount and R3,000 or your chosen amount and R3,000 or your chosen amount and R3,000 or your chosen amount and any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule Basic excess: Scratch and Dent R500 R500 R500 R500 Loss of or damage to keys, locks and R750 R750 R750 R750 remote control units (not applicable following theft or hijacking) Loss of or damage to keys, locks and R750 R0 R0 R0 remote control units (not applicable following theft or hijacking) – when the primary driver is 55 years or older Theft of specified extra sound equipment R750 R750 R750 R750 Theft of specified extra sound equipment R750 R0 R0 R0 – when driver of the motor vehicle is 55 years or older Incorrect class of use as shown in the Plan 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any Schedule other applicable excess other applicable excess other applicable excess other applicable excess  Core Plan Essential Plan Classic Plan Purple Plan Section Excess description Excess Excess Excess Excess Motor Night driving: any accident between 23:00 Additional R5,000 R0 R0 R0 to 04:30 vehicle Any claim within 12 months of the Plan Additional R3,000 R0 R0 R0 inception Multiple claims excess: More than one Additional R1,500 R0 R0 R0 claim across all sections of the Plan Additional compulsory amount payable in As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule addition to your excess or chosen amount Motorcycle Basic excess: Accidental damage, including R4,250 or your chosen amount R2,750 or your chosen amount and R2,250 or your chosen amount and R2,250 or your chosen amount and write-off and emergency repairs minimum R2,750, any additional any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected excesses and any voluntary amount and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule selected and stated in the Plan Schedule Basic excess: Theft, attempted theft, R4,250 or your chosen amount, R2,750 or your chosen amount and R0 and any voluntary amount as R0 and any voluntary amount as hijacking, fire, lightning, explosion, storm, minimum R2,750, any additional any voluntary amount as selected selected and stated in the Plan selected and stated in the Plan water, hail, snow, flood, earthquake or excesses and any voluntary amount and stated in the Plan Schedule Schedule Schedule malicious damage selected and stated in the Plan Schedule Basic excess: Accidental damage, including Sum insured below R10,000: R1,500 Sum insured below R10,000: R750 Sum insured below R10,000: R750 Sum insured below R10,000: R750 write-off of quad bikes and/or similar or your chosen amount, minimum or your chosen amount and any or your chosen amount and any or your chosen amount and any vehicles R1,000, any additional excesses and voluntary amount as selected and voluntary amount as selected and voluntary amount as selected and any voluntary amount selected and stated in the Plan Schedule stated in the Plan Schedule stated in the Plan Schedule stated in the Plan Schedule Sum insured above R10,000: R4,250 Sum insured above R10,000: R2,750 Sum insured above R10,000: R2,250 Sum insured above R10,000: R2,250 or your chosen amount, minimum or your chosen amount and any or your chosen amount and any or your chosen amount and any R2,750, any additional excesses and voluntary amount as selected and voluntary amount as selected and voluntary amount as selected and any voluntary amount selected and stated in the Plan Schedule stated in the Plan Schedule stated in the Plan Schedule stated in the Plan Schedule Basic excess: Windscreen replacement R1,500 and any voluntary amount R750 or your chosen amount and any R750 or your chosen amount and any R750 or your chosen amount and any selected and stated in the Plan voluntary amount as selected and voluntary amount as selected and voluntary amount as selected and Schedule stated in the Plan Schedule stated in the Plan Schedule stated in the Plan Schedule Windscreen repairs R0 R0 R0 R0 Basic excess: When the rider of the R4,250 or your chosen amount, R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as motorcycle is 55 years or older minimum R2,750, any additional selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan excesses and any voluntary amount Schedule Schedule Schedule selected and stated in the Plan Schedule  Core Plan Essential Plan Classic Plan Purple Plan Section Excess description Excess Excess Excess Excess Motorcycle Loss of or damage to keys, locks and R750 R750 R750 R750 remote control units (not applicable following theft or hijacking) Loss of or damage to keys, locks and R750 R0 R0 R0 remote control units (not applicable following theft or hijacking) – when rider of motorcycle is 55 years or older Incorrect class of use as shown in the Plan 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any Schedule other applicable excess other applicable excess other applicable excess other applicable excess Off-road use (if selected on two-wheel R5,000, in addition to any other R5,000, in addition to any other R5,000, in addition to any other R5,000, in addition to any other motorcycle) applicable excess applicable excess applicable excess applicable excess Night driving: any accident between 23:00 Additional R4,000 R0 R0 R0 to 04:30 Any claim within 12 months of policy Additional R3,000 R0 R0 R0 inception Multiple claims excess: More than one Additional R1,500 R0 R0 R0 claim across all sections of the Plan Additional compulsory amount payable in As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule addition to your excess or chosen amount Caravan and Basic excess: Accidental damage, including R2,500 or your chosen amount, R1,000 or your chosen amount and R750 or your chosen amount and any R750 or your chosen amount and any write-off minimum R1,000, any additional any voluntary amount as selected voluntary amount as selected and voluntary amount as selected and trailer excesses and any voluntary amount and stated in the Plan Schedule stated in the Plan Schedule stated in the Plan Schedule selected and stated in the Plan Schedule Basic excess: Theft, attempted theft, R2,500 or your chosen amount, R1,000 or your chosen amount and R0 and any voluntary amount as R0 and any voluntary amount as hijacking, fire, lightning, explosion, storm, minimum R1,000, any additional any voluntary amount as selected selected and stated in the Plan selected and stated in the Plan water, hail, snow, flood, earthquake or excesses and any voluntary amount and stated in the Plan Schedule Schedule Schedule malicious damage selected and stated in the Plan Schedule Basic excess: When the driver of the motor R2,500 or your chosen amount, R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as vehicle towing the caravan or trailer is 55 minimum R1,000, any additional selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan years or older excesses and any voluntary amount Schedule Schedule Schedule selected and stated in the Plan Schedule Loss of or damage to keys, locks and R750 R750 R750 R750 remote control units (not applicable following theft or hijacking) Loss of or damage to keys, locks and R750 R0 R0 R0 remote control units (not applicable following theft or hijacking) – when the driver of the motor vehicle towing the caravan or trailer is 55 years or older.  Core Plan Essential Plan Classic Plan Purple Plan Section Excess description Excess Excess Excess Excess Caravan and Incorrect class of use as shown in the Plan 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any Schedule other applicable excess other applicable excess other applicable excess other applicable excess trailer Night driving: any accident between 23:00 Additional R2,500 R0 R0 R0 to 04:30 Any claim that occurs within 12 months of Additional R2,500 R0 R0 R0 inception. Multiple claims excess: More than one Additional R1,500 R0 R0 R0 claim across all sections of the Plan Additional compulsory amount payable in As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule addition to your excess or chosen amount Buildings Basic excess R2,500 or your chosen amount, R2,000 or your chosen amount and R1,750 or your chosen amount and R1,750 or your chosen amount and minimum R2,000, any additional any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected excesses and any voluntary amount and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule selected and stated in the Plan Schedule Basic excess: Fire, lightning, explosion, R2,500 or your chosen amount, R2,000 or your chosen amount and R0 any voluntary amount as selected R0 any voluntary amount as selected storm, rain, hail, snow, flood, earthquake or minimum R2,000, any additional any voluntary amount as selected and stated in the Plan Schedule and stated in the Plan Schedule malicious damage excesses and any voluntary amount and stated in the Plan Schedule selected and stated in the Plan Schedule Basic excess: Power surge If optional benefit taken up: R2,500 R2,250 or your chosen amount and R2,000 or your chosen amount and R2,000 or your chosen amount and or your chosen amount, minimum any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected R2,000, any additional excesses and and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule any voluntary amount selected and stated in the Plan Schedule When the planholder is 55 years or older R2,500 or your chosen amount, R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as minimum R2,000, any additional selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan excesses and any voluntary amount Schedule Schedule Schedule selected and stated in the Plan Schedule Additional geyser excess R1,500 in addition to any other R0 R0 R0 applicable excess Keys, locks and remote controls (not R750 R750 R750 R750 applicable in the event of theft) Keys, locks and remote controls (not R750 R0 R0 R0 applicable in the event of theft) – when the planholder is 55 years or older Swimming pool filters and borehole pumps Plan exclusion Plan exclusion R750 R750 – not applicable to 55 years or older Subsidence and landslip (limited and R5,000 and any voluntary amount R5,000 and any voluntary amount R5,000 and any voluntary amount R5,000 and any voluntary amount comprehensive) as selected and stated in the Plan as selected and stated in the Plan as selected and stated in the Plan as selected and stated in the Plan Schedule Schedule Schedule Schedule  Core Plan Essential Plan Classic Plan Purple Plan Section Excess description Excess Excess Excess Excess Buildings Subsidence and landslip (limited and R5,000 and any voluntary amount R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as comprehensive) - when planholder is 55 as selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan years or older Schedule Schedule Schedule Schedule Any claim that occurs within 12 months of R1,500 in addition to any other R0 R0 R0 inception applicable excess Multiple claims excess: More than one R1,500 in addition to any other R0 R0 R0 claim in any 12 month period applicable excess Additional compulsory amount payable in As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule addition to your excess or chosen amount Household Basic excess: Theft or attempted theft R2,500 or your chosen amount, R2,000 or your chosen amount and R1,750 or your chosen amount and R1,750 or your chosen amount and without visible signs of forced entry, minimum R2,000, any additional any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected contents damage caused by geysers, water or oil excesses and any voluntary amount and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule apparatus or pipes selected and stated in the Plan Schedule Basic excess: Theft or attempted theft with R2,500 or your chosen amount, R2,000 or your chosen amount and R0 and any voluntary amount as R0 and any voluntary amount as visible signs of forced entry minimum R2,000, any additional any voluntary amount as selected selected and stated in the Plan selected and stated in the Plan excesses and any voluntary amount and stated in the Plan Schedule Schedule Schedule selected and stated in the Plan Schedule Basic excess: Accidental damage and If selected R2,500 or your chosen If selected R2,250 or your chosen R2,000 or your chosen amount and R2,000 or your chosen amount and power surge amount , minimum R2,000, any amount and any voluntary amount any voluntary amount as selected any voluntary amount as selected additional excesses and any voluntary as selected and stated in the Plan and stated in the Plan Schedule and stated in the Plan Schedule amount selected and stated in the Schedule. Plan Schedule Basic excess: Fire, lightning, explosion, R2,500 or your chosen amount, R2,000 or your chosen amount and R0 and any voluntary amount as R0 and any voluntary amount as storm, rain, hail, snow, flood, earthquake or minimum of R2,000, any additional any voluntary amount as selected selected and stated in the Plan selected and stated in the Plan malicious damage excesses and any voluntary amount and stated in the Plan Schedule Schedule Schedule selected and stated in the Plan Schedule Basic excess: When the planholder is 55 R2,500, any additional excesses and R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as years or older any voluntary amount as selected selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan and stated in the Plan Schedule Schedule Schedule Schedule Goods in storage – not applicable to 55 Plan exclusion Plan exclusion R1,000 R1,000 years or older Comprehensive subsidence and landslip (if R5,000 and any voluntary amount R5,000 and any voluntary amount R5,000 and any voluntary amount R5,000 and any voluntary amount selected) as selected and stated in the Plan as selected and stated in the Plan as selected and stated in the Plan as selected and stated in the Plan Schedule Schedule Schedule Schedule Comprehensive subsidence and landslip R5,000 and any voluntary amount R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as (if selected) – when planholder is 55 years as selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan or older Schedule Schedule Schedule Schedule Policy duration claim – less than or equal R1,500 in addition to any other R0 R0 R0 to 12 months. Any claim that occurs in 12 applicable excess months of inception  Core Plan Essential Plan Classic Plan Purple Plan Section Excess description Excess Excess Excess Excess Household Multiple claims within 12 months across R1,500 in addition to any other R0 R0 R0 the policy. Multiple claims excess: More applicable excess contents than one claim in any 12-month period Additional compulsory amount payable in As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule addition to your excess or chosen amount Portable Basic excess: All categories and sub- R1,250 or your chosen amount, R1,000 or your chosen amount and R1,000 or your chosen amount and R1,000 or your chosen amount and categories minimum R1,000, any other any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected possessions additional excesses and any voluntary and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule amount as selected and stated in the Plan Schedule Basic excess: When the planholder is 55 R1,250 or your chosen amount R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as years or older minimum R1,000, any additional selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan excesses and any voluntary amount Schedule Schedule Schedule as selected and stated in the Plan Schedule Pedal cycle excess R1,250 or your chosen amount R1,000 or your chosen amount and R1,000 or your chosen amount and R1,000 or your chosen amount and minimum R1,000, any additional any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected excesses and any voluntary amount and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule as selected and stated in the Plan Schedule Pedal cycle excess: When plan holder is 55 R1,250 or your chosen amount R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as years or older minimum R1,000, any additional selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan excesses and any voluntary amount Schedule Schedule Schedule as selected and stated in the Plan Schedule Theft from an unattended vehicle without 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any visible, violent and forcible entry into the other applicable excess other applicable excess other applicable excess other applicable excess vehicle Policy duration claim – less than or equal to R1,250 in addition to any other R0 R0 R0 12 months. Any claim that occurs within 12 applicable excess months of inception Multi-claimant – multiple claims within 12 R1,500 in addition to any other R0 R0 R0 months across the policy applicable excess Additional compulsory amount payable in As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule addition to your excess or chosen amount Watercraft Basic excess: Accidental damage, including R4,500 or your chosen amount R3,000 or your chosen amount and R3,000 or your chosen amount and R3,000 or your chosen amount and write-off and outboard motors dropping off minimum R3,000, any additional any voluntary amount as selected any voluntary amount as selected any voluntary amount as selected excesses and any voluntary amount and stated in the Plan Schedule and stated in the Plan Schedule and stated in the Plan Schedule as selected and stated in the Plan Schedule  Core Plan Essential Plan Classic Plan Purple Plan Section Excess description Excess Excess Excess Excess Watercraft Basic excess: Theft, attempted theft, R4,500 or your chosen amount, R3,000 or your chosen amount and R0 and any voluntary amount as R0 and any voluntary amount as hijacking, fire, lightning, explosion, storm, minimum of R3,000, any additional any voluntary amount as selected selected and stated in the Plan selected and stated in the Plan water, hail, snow, flood, earthquake or excesses and any voluntary amount and stated in the Plan Schedule Schedule Schedule malicious damage as selected and stated in the Plan Schedule Basic excess: When the pilot is 55 years R4,500 or your chosen amount, R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as or older minimum R3,000, any additional selected and stated in the Plan selected and stated in the Plan selected and stated in the Plan excesses and any voluntary amount Schedule Schedule Schedule as selected and stated in the Plan Schedule Any claim that occurs within 12 months of R2,500 in addition to any other R0 R0 R0 inception applicable excess Multiple claims excess: More than one R1,500 in addition to any other R0 R0 R0 claim in any 12 month period. applicable excess Additional compulsory amount payable in As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule addition to your excess or chosen amount Personal Liability to other parties R0 R0 R0 R0 liability Cash cards and credit cards R0 R0 R0 R0 Full-house R0 R0 R0 R0 Hole-in-one R0 R0 R0 R0 Medical expenses of guests and domestic R0 R0 R0 R0 employees Tenant’s liability R0 R0 R0 R0 Wrongful arrest Plan exclusion Plan exclusion R0 R0 Additional compulsory amount payable As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule Discovery Contact Centre 0860 751 751 | [email protected] | www.discovery.co.za www.discovery.co.za Discovery Insure Ltd is a licensed non-life insurer and an authorised financial services provider. Registration number 2009/011882/06. Product rules, terms and conditions apply. Full product details including limitations can be found on our website, www.discovery.co.za or you can call 0860 751 751. Effective date 1 December 2024 RCK_106021IN_12/09/2024_V5