Superceded Insurance
Voluntary first amount payable
Reduction/Re-instatement of Sum Insured
Cost of recovery
Computer losses
Extension for losses discovered 24 to 36 months thereafter

Important:

Insured employees: Named/position or all employees
Systems of check and control may not be damaged without insurer approval
First amount payable
      2% of the aggregate of the sum insured under this section and the declared insurance
      or R60 000 whichever is the lesser.
      Plus a further 10% of net amount payable

Exclusions:

Business partner, director, principle or member (unless also employee)
Any employee from the time the insured shall become aware of any fraud or dishonesty
Consequential losses
Computer data manipulation, destruction