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Section 3 – Special Exclusions

This part does not cover:

1. Causes Excluded
damage caused by fire, lightning, explosion or aircraft or articles dropped from them

2. Changes in Environment or Mechanical or Electrical Breakdown
damage caused by or consisting of:

a) corrosion, erosion, rust, wet or dry rot, shrinkage, evaporation, loss of weight, dampness, mould,
dryness, marring, scratching, vermin or insects
b) change in temperature, colour, flavour, texture or finish

c) mechanical or electrical breakdown or derangement of the particular machine, apparatus or
equipment in which such breakdown or derangement originates

but this will not exclude subsequent damage which itself results from a cause not otherwise excluded

3. Confiscation
confiscation, destruction or detention by customs or other authorities

4. Consequential Loss
consequential loss of whatsoever nature

5. Depreciation, Gradually Operating Changes and Faulty or Defective Design or Workmanship
damage caused by or consisting of:
a) depreciation, inherent vice, latent defect, gradual deterioration, wear and tear, frost or change in
water table level
b) faulty or defective design or materials
c) faulty or defective workmanship, operational error or omission on your part or the part of
any employee
but this will not exclude subsequent damage which itself results from a cause not otherwise excluded
d) pollution or contamination

6. Electronic Risks
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 but this
will not exclude damage 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

7. Fraud or Dishonesty
damage arising from any act of fraud or dishonesty committed or connived at by any employee

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