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5 May 2020
The Covid-19 pandemic has seen schools closed across New Zealand, and requirements for online learning from home under alert level restrictions. We wanted to update you on what this means for your cover where students take home portable electronic devices, such as laptops and Chromebooks.
The Ministry of Education has detailed financial relief available for claims related to electronic equipment on loan to students during Covid-19 alert levels 2, 3 and 4 in their email 'Covid-19 Update 23 April' . This financial relief includes:
We are happy to confirm that this financial relief is available to all schools insured through Crombie Lockwood, including those insured by our school insurance facility.
If you experience losses for electronic equipment on loan to students during the Covid-19 Alert Levels 2, 3 and 4 and need to make a claim, please contact our claims team:
Crombie Lockwood has worked with loss adjusters Crawford and Company to make sure an application for Government relief can be as straight forward as possible for our clients. At the close of your claim with Crombie Lockwood, our claims team will provide you with all of the information necessary to apply for government relief.
Where students take portable electronic devices home for any closure period, those items owned by the school, or for which the school is legally responsible, will be covered under your contents policy.
There are a number of terms and conditions to be aware of.
Terms and conditions
Should you have any queries or wish to discuss any other impacts that could affect your material damage/ business interruption risks please do not hesitate to contact us.
Policy clauses mentioned above for reference:
MD39 temporary removal
This policy covers any Insured Property (except Stock) while temporarily removed to any place in New Zealand and while in transit
The amount recoverable under this clause shall not exceed the amount which would have been recoverable has the Loss or Damage occurred at the Location from which the Insured Property is temporarily removed providing that the property is not otherwise insured.
Policy exclusion 19 does not apply to this clause.
Means removal from the Location for the particular purpose with the intention that the property be returned to the place from which it had been removed once that purpose has been served
The location definition includes the following limit:
g) Any premises anywhere else in New Zealand where any Insured Property is located, limited to 20% of the sums insured to the maximum of $100,00.
20. Unexplained shortage
This policy does not cover unexplained disappearance or inventory shortages revealed only at stocktaking or shortages due to accounting or clerical errors except where covered under the Money clause.
GC05 Due Precautions
The insured shall take all ordinary and reasonable precautions for the safety of the Insured Property.