The following list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

Key Exclusions applicable to Section One

✖︎ Loss or damage caused by the use of unsuitable materials, or faulty workmanship or design

✖︎ Loss or damage caused by cleaning, repair, renovation, or any similar process

✖︎ Anything which happens gradually, such as wear and tear or gradual deterioration.

✖︎ Lawful seizure, detention, confiscation or nationalisation or requisition of destruction of property by or under the order of any government or public or local authority.

Key Exclusions applicable to Section Two

✖︎ Your failure to take due care and precaution to safeguard and protect Your Contents

✖︎ Damage to equipment, musical instruments or the like whilst in use

Key Exclusions applicable to Section Three

✖︎ Liability for injury to You, members of Your Family, Your domestic helper for damages to any of their property

✖︎ Any contractual liability except for landlord and tenant contract, but only if You are legally liable if the contract had not existed

✖︎ Liability arising out of any goods or products designed, manufactured, altered, repaired, serviced, sold, or distributed by You

Key Exclusions applicable to Section Four

✖︎ Pregnancy, miscarriage or any complications thereof and/or pre-existing defects or infirmity

! General Exclusions applicable to all Sections:

✖︎ War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power

✖︎ Use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel

✖︎ Acts of terrorism

✖︎ Asbestos in whatever form or quantity

✖︎ The failure or inability of any computer, electronic equipment, data processing or media, embedded chip, integrated circuit or similar device or firmware or any computer software occurring at any time to:

• Correctly recognise any date as its true calendar date
• Capture, save or retain, and/or correctly to manipulate, interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date
• Capture, save, retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software, being a command which causes the loss of data or inability to capture, save, retain or correctly process such data or the inability on or after any date

! Except as specifically provided otherwise, this policy does not cover:

• Consequential loss of any kind

• Legal liability to pay compensation 

• Fines, penalties or exemplary damages whatsoever.