1

a)Any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war to be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, strike, riot or civil commotion, earthquake, volcanic eruption or any act of terrorism.

b)Loss by confiscation or detention by customs house or other officials or authorities.

c)Loss or damage due to wear and tear, the process of cleaning, dyeing, altering, repairing or restoring any article, the action of light or atmospheric conditions, moth, mildew, corrosion, shrinkage, inherent defects or diseases, natural deterioration or natural putrefaction, oxidation, evaporation, changes in flavour, colour, temperature, humidity or texture or any other gradual operating cause, scratching, denting, defacing or chipping.

d)Damages to watches by overwinding.

e-1)any accident or any loss or destruction of or damage to any property insured whatsoever or any loss or expense whatsoever resulting or arising from or any consequential loss

e-2)any legal liability of whatsoever nature directly or indirectly caused by, contributing to or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. Solely for the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear mission.

f)The indemnity or compensation provided by this Policy shall not apply to nor include any accident, loss, destruction, damage or legal liability directly or indirectly caused by, contributing to or arising from nuclear weapons material.

2

a)Loss or damage due to faulty design.

b)Loss or damage caused by operational malfunctions or replacement of expendable parts including bulbs, valves, batteries, fuses, tubes, belts, chains, tapes and ribbon cards.

c)Unexplained loss or mysterious disappearance.

d)Loss, damage or expense caused by or resulting from infidelity or any dishonest act on the part of the cardmember or other party of interests, his or her employees or agents or any person or persons to whom the property insured may be entrusted to.

e)Loss or damage caused by any repairing, adjusting, servicing or maintenance operation.

f)Loss or damage caused by mechanical or electrical breakdown or derangement.

g)Loss or damage arising through theft from any unattended vehicles unless all windows are securely closed and all doors and boots are locked.

h)Loss or damaged to property insured in transit as unaccompanied baggage shipped under a bill of lading, parcel, receipt, waybill or similar document.

i)Loss or damage covered by a guarantee given in respect of property and goods purchased.

j)Currency notes, deeds, bonds, bills of exchange, promissory notes, tickets, cheques, money or securities for money, medals, coins, stamps, stamp collections, or other documents of value, including documents of title to property contracts or other documents, business books, computer system records, living organisms, food, perishables, motor vehicles, property insured being used for business purpose or online purchases.

k)Consequential loss of any kind or description whatever including penalties, losses due to delay,
lack of performances and loss of contract.