Dial Direct Insurance

Home Content Insurance

Under this section you may claim for items stolen from or damaged at your home.

What you pay when you claim - the excess(es)

Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.

We will compensate you for:

1. Loss of or damage to the household goods and personal possessions that you and your family members who live with you have inside your home or the outbuildings at the address on the schedule.
2. Loss or damage caused by fire, lightning, explosion, malicious damage, impact with your home and outbuildings (room(s) without direct access to your house), falling trees (but not while they are being felled), earthquake, storm, flood, the bursting or overflowing of geysers, equipment or pipes, break-in and theft.
   

The maximum compensation for the following items is stated on your schedule.

Food that deteriorates

Food that deteriorates because of a power failure or if your fridge or freezer breaks down.

Washing and garden furniture stolen

Washing and garden furniture stolen while in the open at your home.

Your guests' belongings

Your guests' belongings stolen at your home.

Money stolen from your home

Money stolen from your home, as long as we can see the damage caused by the break-in.

Personal documents, coins and stamps

Loss of personal documents, coins and/or a stamp collection.

Locks and keys

Locks and keys if they are lost or damaged.

Credit or bank cards

The fraudulent use of your credit or bank cards.

A hole-in-one/bowling full-house

A hole-in-one/bowling full-house on a recognised golf course/bowling green.

Your and/or your spouse's death

Your and/or your spouse's death if it is caused by a fire or a break-in at your home.

Your domestic employee's belongings

Your domestic employee's belongings, but if stolen, only when we can see the damage caused by the break-in into the outbuildings.

Medical expenses

Medical expenses because of an injury that was caused by a defect in your buildings or by your household pet. We will not compensate you for injuries of a household member, but we will compensate you for your domestic employee's injuries.

Veterinary expenses

Veterinary expenses if your household pet is injured in a road accident.

Rent to live elsewhere

The rent that you have to pay to live elsewhere if you cannot live in your home because it was damaged by anything covered by the policy.

Belongings in a removal truck

Your belongings if they are in a removal company truck and it is involved in an accident. We will also compensate you for damage caused by fire, lightning and explosion while your belongings are in transit or stored in a registered furniture warehouse.

Accidental breakage of mirrors and glass

Mirrors and glass that are part of a stove, oven or furniture, when broken by accident.

Accidental breakage of television set

A television set, when broken by accident, but not when it breaks down mechanically or electrically.

Fire brigade charges

Fire brigade charges for a fire at your home.

Public liability as a householder

If you are legally responsible, we will compensate you:

1. if any person other than you or a member of your family who lives with you, or someone who works for you, is injured or dies accidentally.
2. if the property of any person is accidentally damaged, but is not yours nor that of a member of your family who lives with you, nor that of someone who works for you. Something that does not belong to you or your family, but which you are looking after, is not insured.
3. for the recoverable legal costs of the person who claims against you.
   

Tenant's liability as a householder

If you are legally responsible, we will compensate you:

1. for damage to the buildings that you are renting and the landlord's things fitted to the buildings, caused by anything covered by this policy.
2. if sanitaryware or fixed panes of glass break by accident.
3. if water, gas and sewerage pipes or electricity or telephone connections of the buildings or outbuildings break by accident.
   

Liability to domestic employees

If you are legally responsible, we will pay if your domestic employee is injured or dies because of an accident that happened at your home while he/she was working.

We do not compensate you for:

Various documents, money etc.

Deeds, bonds, bills of exchange, promissory notes, money, cheques, stamps, documents of any kind, manuscripts, medals and coins, rare books, vehicles or their sound systems, accessories or parts, animals, watercraft, trailers or caravans.

Items specifically insured

Items you insured more specifically elsewhere or with us.

Fire damage to a thatch roof building

Fire damage if your home or outbuildings have a thatch roof, unless the schedule states that it is covered.

Damage to non-approved buildings

Any damage if the relevant local authority did not approve or would not have approved the construction of the building.

Goods used solely for business

Goods and possessions which you use solely for business, professional or trade purposes.

Borehole and swimming pool equipment

These items can be insured separately with a portable possessions policy.

Items stolen from your garage or outbuildings

Items stolen from your garage or outbuildings. We will only compensate you if we can see the damage caused by the break-in.

Communal living

Any loss or damage if more than two people, who are unrelated to you, live in your home and it is a commune.

Claims for death, injury or damage which are caused by, happen from, or are due to your:

1. ownership, possession or use of aircraft, vehicles or watercraft.
2. ownership of land or buildings.
3. pursuit or exercise of any trade, business or profession.
4. possession of an animal, other than a cat or dog or a horse which you ride for pleasure.
5. use of a weapon.
6. intentional or malicious act.
   

What happens if you are under-insured

The amount for which you insure your belongings must be their replacement value. The replacement value is what it will cost you, at the time of a claim, to replace all your belongings with similar new ones. If you claim, we will calculate the replacement value for which you should have insured your home contents. If you insured them for less than that, we will only
pay a part of your claim, e.g.