Damage caused by lightning

Excluding loss, destruction of or damage
(a) to boilers (other than domestic boilers), economizers or other vessels, machinery or apparatus (in which steam is generated) or their contents resulting from their own explosion/implosion,
(b) caused by centrifugal forces.

Loss, destruction or damage caused by Aircraft, other aerial or space devices and articles dropped there from excluding those caused by pressure waves.

Loss of or visible physical damage or destruction by external violent means directly caused to the property insured but excluding those caused by
(a) Total or partial cessation of work or the retardation or interruption or cessation of any process or operations or omissions of any kind.
(b) Permanent or temporary dispossession resulting from confiscation, commandeering, requisition or destruction by order of the Government or any lawfully
constituted Authority.
(c) Permanent or Temporary dispossession of any building or plant or unit or machinery resulting from the unlawful occupation by any person of such building or
plant or unit or machinery or prevention of access to the same.
(d) Burglary, housebreaking, theft, larceny, or any such attempt or any omission of any kind of any pers on (whether or not such act is committed in the course of
a disturbance of public peace) in any malicious act.
If the Company alleges that the loss / damage is not caused by any malicious act, the burden of proving the contrary shall be upon the insured.

Loss, destruction or damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation excluding those resulting from
earthquake, Volcanic eruption or other convulsions of nature. (Wherever earthquake cover is given as an “add on cover” the words “excluding those resulting
from earthquake volcanic eruption or other convulsions of nature” shall stand deleted)

Loss of or visible physical damage or destruction caused to the property insured due to impact by any Rail/Road vehicle or animal by direct contact not
belonging to or owned by
(a) the Insured or any occupier of the premises or
(b) their employees while acting in the course of their employment

Loss, destruction or damage directly caused by Subsidence of part of the site on which the property stands or Land slide/Rock slide excluding:
(a) the normal cracking, settlement or bedding down of new structures
(b) the settlement or movement of made up ground
(c) coastal or river erosion
(d) defective design or workmanship or use of defective materials
(e) demolition, construction, structural alterations or repair of any property or groundwork or excavations.

Excluding loss, destruction or damage caused by
(a) repairs or alterations to the buildings or premises.

(b) repairs, removal or extension of the sprinkler installation.

(c) defects in construction known to the Insured.

Excluding loss, destruction or damage caused by Forest Fire.