We don’t cover you for: 

  • War and related perils 

  • Fire and explosion if it results from an earthquake, volcanic eruption or other natural disaster (unless otherwise specified in Policy Schedule) 

  • Spontaneous fermentation or heating of any part of your property or any damage resulting from the application of heat 

  • Riot, civil commotion, strikers or locked out workers (unless otherwise specified in Policy Schedule) 

  • Theft during or after a fire 

  • Damage to any electrical machine or apparatus arising from its own over running, excessive pressure, short circuiting, self heating , arcing or leakage of electricity 

  • Damage to a property covered by another insurance policy 

  • Goods held in trust or on commission (unless you are legally liable for them) 

  • Consequential loss or damage of any kind or description 

For more details, refer to our insurance sample policy wording.