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Exclusions to Parts A, B and C

Parts A, B and C do not cover:

1. Consequential Loss
in respect of parts A and C only consequential loss of whatsoever nature other than loss of rent if insured

2. Electronic Risks
a) damage caused by virus or similar mechanism or hacking or denial of service attack to any
computer or other equipment or component or system or item which processes, stores, transmits,
retrieves or receives data or any part thereof whether tangible or intangible including but without
limitation any information or programs or software and whether the property is insured or not
b) business interruption directly or indirectly caused by or arising from virus or similar mechanism
or hacking or denial of service attack
but this will not exclude damage or business interruption which results from a defined peril
including the acts of thieves but excluding the acts of malicious persons which do not involve physical
force or violence

3. Pollution or Contamination
damage to property caused by or business interruption resulting from pollution or contamination
but this will not exclude damage or business interruption not otherwise excluded caused by:
a) pollution or contamination which itself results from a defined peril

b) a defined peril which itself results from pollution or contamination
4. Property Excluded
in respect of part A unless specifically mentioned as insured:
a) property which at the time of the happening of Damage is insured by or would but for the
existence of this part be insured by any marine policy except in respect of any excess beyond the
amount which would have been payable under such policy had this part not been effected
b) motor vehicles licensed for road use including accessories thereon, caravans, trailers, railway
locomotives, rolling stock, watercraft, aircraft or spacecraft
c) artificial sports surfaces
d) playground equipment
e) livestock
f) trees, shrubs, plants or turf other than when incorporated as part of the structure of the buildings

g) buildings or structures in course of construction, erection, alteration, addition or improvement and
materials or supplies in connection therewith

5. Property More Specifically Insured
any property more specifically insured

6. Riot
damage to property caused by or business interruption arising from riot unless this insured peril is
stated in the schedule and then only to the extent stated.

7. Terrorism
loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
resulting from or arising out of or in connection with Terrorism.
In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
provided under these parts the burden of proving that cover is provided under these parts will be upon you.
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