Imagine this: your vehicle is damaged while being towed in Namibia, or a body corporate trustee travels to Mozambique for a business meeting, but takes along the BC laptop for the AGM prep and it gets stolen — only to discover later that their insurance claim has been declined because it happened outside  the policy’s territorial limits. It’s a frustrating (and costly) surprise that many policyholders could easily avoid, if they understood one small but important clause: Terr