Ten's Coverage Score
Needs careful review
Coverage gaps found. 15 critical clauses need review.
Clause Breakdown (82)
Section
RiskRocket Confirmation of Cover
TEN's Summary
This document confirms that Tshepo has selected household contents protection for a specific booking on 16 March 2026. The coverage includes benefits for loss or damage to household items, but it is subject to various terms, conditions, limits, and exclusions that must be followed for claims.
Section
Definitions
TEN's Summary
This section defines key terms used in the insurance policy, such as 'Accident', which refers to unexpected events causing damage, and 'Insured Person', who is the policyholder. It also outlines what constitutes 'Household Contents' and the 'Period of Cover', which is the timeframe during which the insurance is active.
Section
Understanding the Cover
TEN's Summary
This insurance covers loss, damage, or theft of household contents at your home during the time a booked service provider is present, but only if the incident is directly related to the service provider's actions or inactions. The maximum amount you can claim is R5,000 for each booking.
Section
What Is Covered
TEN's Summary
This insurance covers accidental loss or damage to household contents during the period when a service provider is at your home, provided you have successfully completed your booking and selected the insurance option. However, there are specific conditions and limits on the amount you can claim.
Section
General Conditions
TEN's Summary
This section outlines the general conditions for making a claim under the insurance policy. Claims are only valid during the coverage period, which is when the service provider is at your home. The policy is governed by South African law, and you must help the insurer recover costs if a third party is involved in the loss. Additionally, you are required to take reasonable care of your property to prevent further loss.
Section
Claims Conditions
TEN's Summary
If you experience an incident that may lead to a claim, you must notify the insurer promptly and follow specific procedures, including reporting theft to the police and providing requested information. Claims can be settled based on various factors, including depreciation and other insurance contributions, and there are limits on the amount you can claim.
Section
Exclusions – What Is Not Covered
TEN's Summary
This section outlines what is not covered by the insurance policy. Key exclusions include items held for business purposes, cash and collectibles, vehicles, and losses from scams. Additionally, losses related to items not owned by the insured or already covered by warranties are also excluded.
Section
Data Protection
TEN's Summary
This section explains that any personal information you provide for your insurance cover or claims can be used for various purposes like administration and fraud prevention, as long as it complies with South African privacy laws.
Section
Complaints and Support
TEN's Summary
If you have a complaint about your insurance, you should first reach out to the support or claims channel of the platform where you booked the service. If your issue isn't resolved, you can escalate it to an industry dispute-resolution body or ombud office.
Section
Demo Notes
TEN's Summary
This section outlines various exclusions from coverage under the insurance policy. It specifies types of damage and circumstances that are not covered, such as minor cosmetic damage, damage from environmental factors, and issues arising from poor design or misuse. Additionally, it clarifies that the availability of cover and claims handling are also excluded from the policy's responsibilities.
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