Exclusions:

We will not be liable for

• 1. loss or damage from any yard, garden outbuilding (including sheds or garages not attached to the building) or any other Property outside the confines of the Premises unless specified in the Schedule
• 2. cash and valuables in safe/almirah unless specifically covered in the Schedule at additional Premium.
• 3. cash and valuables lost from a unlocked almirah/from outside a safe .
• 4. loss or damage of motor vehicles, trailers
• 5. loss or damage in which You, Your family members or any other Person lawfully on or about Your Premises is or is alleged to be in any way concerned or implicated
• 6. loss or damage resulting from an Riot, Strike, Malicious Damage and Terrorism
• 7. damage to glass and sign boards
• 8. loss to Live stock
• 9. loss or damage to contents or stock when the Premises are left unoccupied for more than 30 consecutive days unless the same has been reported to Us in writing and Our written approval obtained.
• 10. any consequential loss or legal liability
• 11. first Rs 2500/- under each and every claim. Excess is not applicable to Cash in locked Safe or in Locked Almirah

Exclusions:

We will not be liable for

• 1. 1.5% of the claim amount subject to minimum of Rs.1000/-
• 2. loss or damage due to cracking, scratching and/or breaking of lens or glass items or other articles of a brittle or fragile nature whether part of Jewellery and/or Valuable unless such loss or damage arises from an accident to a vessel, train or other mechanized vessel, road vehicles, aircraft by which such Jewellery and/or Valuable is being carried by You.
• 3. loss or damage by or any process of cleaning, dyeing, repairing or restoring to which the Jewellery and/or Valuable is subjected.
• 4. loss or damage caused by moth, mildew or vermin.
• 5. damage due to faults/defects existing at the commencement of this insurance and known to You , whether such faults/defects were known to Us or not and any wilful act or negligence of You or Your employees
• 6. loss or damage caused by mechanical derangement or over winding of watches and clock.
• 7. theft of unattended baggage containing such Jewellery and/or Watches or mysterious disappearance of the same unless it is stolen from securely locked vehicle.
• 8. loss or damage whilst being conveyed by any carrier under contract of affreightment.
• 9. damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stocks or share certificates, stamps and travelers cheques and the like
• 10. loss directly or indirectly occasioned by or happening through or in consequence of war, Invasion act of foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, Military or Usurped Power, Confiscation, nationalization, or any such action
• 11. loss or damage due to any action of a Public Authority.
• consequential loss of any nature

Exclusions:

We will not be liable for

• 1. first Rs 500/- under each and every claim/-
• 2. breakage or damage during removal, alteration and repairs carried out at Your Premises
• 3. scratching other than the fracture extending through the entire thickness of Plate Glass
• 4. damage or breakage to Plate Glass which are not securely fixed.
• 5. any loss or damage caused wilfully by You or Your family members, or any loss or damage in which You or any Person acting on Your behalf is or is alleged to be involved or implicated.
• 6. any loss or damage for which the manufacturer or supplier is responsible.
• 7. any consequential damage or losses, whether of a financial or property nature or by reason of Personal injury and/or any legal liability.

Exclusions:

We will not be liable for

• 1. damage due to faults/defects existing at the commencement of this insurance and known to You , whether such faults/defects were known to Us or not and any willful act or negligence of You or Your employees
• 2. damage due to continuous influence of operation (e.g. wear and tear, cavitations, erosion, corrosion, incrustation) gradual deterioration and climatic condition.
• 3. any cost incurred in connection with elimination of functional failures unless such failures were caused by Damage covered under this Section of the Policy.
• 4. damage for which the manufacturer or supplier is responsible either by law or under contract or any amount recoverable under the terms of Maintenance Agreement.
• 5. cost of transporting the appliance to and fro from the place of repair.
• 6. damage to consumable items (e.g. bulbs, valves, tubes, ribbons, fuses, seals, belts, wires, chains, exchangeable tools, objects made of glass, Porcelain or ceramics and operating media as well as aesthetic defects like scratches etc. unless such Parts are affected by an indemnifiable Damage to the Insured Item itself).
• 7. damage to external antenna, dishes, masts and fittings by theft.
• 8. damage arising through fitting, adjustment, repair or dismantling of any Part of said equipment/installation other than by an authorized representative of an appliance Equipment manufacturer, dealer or that of a reputed repairer.
• 9. any cost required for alteration, improvement or overhaul or for making drawings, Patterns and core boxes.
• 10. loss or damage to appliance older than 10 years from the date of manufacture.
• 11. loss or damage to mobile Phones or other similar communication devices
• 12. false Programming, Punching, labelling or inserting or the inadvertent cancelling of information or data contained in External Data Media.

Exclusions:

We will not be liable for

• 1. first Rs 500/- or 2% of Sum Insured whichever is higher for each loss or damage.
• 2. damage for which manufacturer or supplier is responsible/ any amount recoverable under Maintenance Agreement, if any.
• 3. damage resulting from overload experiment or test requiring imposition of abnormal conditions.
• 4. damage due to deterioration of or wearing away of any item caused by or as a result of normal Use or exposure, atmospheric or climatic conditions, rust, corrosion, moth, vermin or insect.
• 5. gradually developing flaws, defects, cracks or partial fractures in any part not necessitating immediate stoppage, although at some future time repair or replacements of Parts affected may be necessary.
• 6. damage due to faults/defects existing at the commencement of this insurance and known to You , whether such faults/defects were known to Us or not and any wilful act or negligence of You or Your employees
• 7.damage to consumables such as ropes, rubber items, dies, moulds, blade, cutters, knives, exchangeable tools, engraved or impression cylinders or rolls, glass and Porcelain items, ceramics, operating media, belts or wires, fabrics, anti-corrosive, non metallic linings unless such Parts are affected by an indemnifiable Damage to the Insured item itself
• 8. cost of transport to the repair shop and back of any Damaged item
• 9. loss or damage to Domestic Appliances older than 10 years from the date of manufacture
• 10. loss or damage to any Domestic Appliances by Perils insurable under other Sections of this Policy.
• 11. loss or damages to mobile Phones or other similar communication devices.
• 12. Any costs incurred in connection with the maintenance of Domestic Appliances including Parts replaced in the course of such maintenance operations

Exclusions:

We will not be liable for

• 1. Natural Death
• 2. Compensation under more than one of the benefits mentioned in Table of Benefits in respect of same period of disablement.
• 3. Any other payment after a claim under one of the benefits 1,2 and 3 in Table of benefits has been admitted and becomes payable.
• 4. Any payment in case of more than one claim under this Section during any one period of Insurance by which our liability in that period would exceed CSI
• 5. Payment of compensation in respect of Accidental Death or injury as a consequence of/resulting from
• a.) normal cracking, settlement or bedding of structures.
• b.) whilst under influence of intoxicating liquor or drugs.
• c.) drug addiction or alcoholism.
• d.) whilst engaged in any adventurous sports and/or hazardous activities.
• e.) committing any breach of law with criminal intent.
• f.) war, Civil War, invasion, act of foreign enemies, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint, or detainment, confiscation, or nationalization or requisition by or under the order of any government or public authority.
• 6. consequential loss of any kind and/or any legal liability
• 7. pregnancy including child birth, miscarriage, abortion or complication arising there from.
• 8. participation in any naval, military or air force operations.
• 9. curative treatments or interventions
• 10. venereal or sexually transmitted diseases.
• 11. HIV and or related illness

Exclusions:

We will not be liable for

• 1. Any interest and/or penalty imposed on account of failure to comply with requirements laid down under Employee’s Compensation Act 1923 and subsequent amendments of the said Act.
• 2. Liabilities to employees of Your contractors or sub-contractors
• 3. Any liability by virtue of an agreement which would not have been attached in the absence of such agreement.
• 4. Any Sum which You would have been entitled to recover from any party but for an agreement between You and such party.

Exclusions:

We will not be liable for

• 1. The first Rs 500/- for each loss or damage.
• 2. Loss or damage due to cracking, scratching and/or breaking of lens or glass whether part of China clay, Marble or other articles of a brittle or fragile nature unless such loss or damage arises from an accident to a vessel, train, motor vehicle or other mechanized vessel by which such baggage is conveyed.
• 3. Loss or damage by or any process of cleaning, dyeing, repairing or restoring to which the baggage is subjected.
• 4. Loss or damage caused by moth, mildew or vermin.
• 5. Damage due to faults/defects existing at the commencement of this insurance and known to You , whether such faults/defects were known to Us or not and any wilful act or negligence of You or Your employees
• 6. Loss or damage caused by mechanical derangement or over winding watches and clock.
• 7. Theft of unattended baggage or mysterious disappearance unless it is stolen from securely locked vehicle.
• 8. Loss or damage whilst being conveyed by any carrier under contract of affrieghtment.
• 9. Loss or damage to jewellery and valuables.
• 10. Loss, destruction or damage caused by or arising from the leakage, spilling or exploding of liquid ,oils or materials of like nature or articles of dangerous and damaging nature.
• 11. Any tour or travel within the municipal limits of the village, town or city where You permanently reside.
• 12. Damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stocks or share certificates, stamps and travelers cheques and the like
• 13. Loss directly or indirectly occasioned by or happening through or in consequence of war, Invasion act of foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, Military or Usurped power, Confiscation, nationalization, or any such action
• 14. Loss or damage due to any action from Public Authority.
• 15.Consequential loss of any nature

Exclusions:

We will not be liable for

• 1. Any liability arising out of a contractual obligation.
• 2. Any accident arising out of wilful or intentional non-compliance of any statutory regulations.
• 3. Any bodily injury of any person under a contract of employment with You, Your contractors or sub-contractors arose out of and in the course of employment
• 4. Consequential loss of any kind
• 5. Libel, slander, false arrest, wrongful eviction, wrongful detention, defamation including mental injury, shock resulting there from.
• 6. Liability arising out of Vehicles covered under Indian Motor Vehicle Act.
• 7. Damage to property belonging to third parties that is rented, leased or under hire –purchase agreement or on loan to You
• 8. Damage to property belonging to third party handled by You by way of Your trade or worked upon by or in Your care, custody or control.
• 9. pollution of any kind
• 10. Any Liability under the public Liability Insurance Act which attaches liability on a no fault basis
• 11. Product Liability.
• 12. Any claim directly or indirectly connected to earthquake, typhoon, cyclone, flood or other convulsions of nature or atmospheric disturbances