1Loss or damage directly or indirectly resulting from natural disasters, fires, riots and mass strikes.10Any legal liability to third parties that may arise from the insured property.
2Loss or damage incurred directly or indirectly through or as a result of war, invasion, acts of foreign enemies, hostilities (whether declared or not declared war) or other similar incidents.11Continuation losses as a consequence of loss or damage to the insured property.
3Loss or damage directly or indirectly incurred through or as a result of confiscation, nationalization or expropriation or destruction or damage to property by/or based on government orders of any local public authority.12Loss or damage caused by lack of caution, carelessness including when the insured property is under repair, cleaning, maintenance or other work by a Party other than the Insured.
4

Loss or damage that is directly or indirectly caused by use, gradual decline in the quality of functions due to use, damage by animals or animals, damage due to the nature of the item itself, damage due to mold, discoloration, damage or loss due to rust or corrosion, and impairment.

13

Loss or damage caused by an electric short circuit or sparks from excessive electric current, or electrical/mechanical damage, i.e. electrical phenomena or machine damage in or on the property itself.

5Loss or damage caused directly or indirectly by or arising from the radioactive, explosive, or other hazardous properties of Nuclear Fuel (including nuclear fusion or fission materials).14Loss, damage or loss of insured property caused by fraud or hypnosis.
6Loss or damage originating from mistakes and/or intentional actions of the Insured, family members of the Insured and people who work for the Insured.15

    

Losses for loss of insured property caused by forgetfulness, memory loss or simply disappearing, including robbery and theft.


7

Loss or damage caused by errors and/or intentional actions or negligence by other people who have an interest in accepting the claim.

16

    

Loss of any data/information or any software/programs downloaded to all items by computer.


8

Congenital loss or damage to property which is and is the responsibility of the manufacturer (factory warranty).

17

    

If the Insured, family members of the Insured and people working for the Insured try to repair the hardware or system of the goods themselves.


9

Loss or damage to additional parts or accessories from the manufacturer, seller or others.

18And other exceptions listed on the Policy Certificate.