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.