Any member of your workforce or household staff who is concerned as principal or accessory.

Damage resulting from:

✖︎ Wear and tear, depreciation, gradual deterioration, mildew, moth, vermin or any process of cleaning, dyeing, repairing, restoring or renovating.

✖︎ Mechanical or electrical breakdown or derangement.

✖︎ Overloading or strain.

✖︎ Scratching or denting of any article, breakage of lenses, and breakage of brittle articles such as glass china earthenware, marble and gramophone records – unless caused by theft or fire.

✖︎ War, invasion, acts of foreign enemies, hostilities or war-like operations (whether war is declared or not) or civil war.

✖︎ Mutiny, strike, riot and civil commotion, military or popular rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.

✖︎ Confiscation, nationalization,  requisition and destruction or damage to property by or under the order of any government, public or local authority.