• Fire
• LIghtning
• Explosion / Implosion
• Aircraft damage
• Riot, Strike and Malicious Damage
• Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
• Impact Damage
• Subsidence and landslide including rockslide
• Bursting and / or overflowing of water tanks, apparatus and pipes
• Missile testing operations
• Leakage from automatic sprinkler installations
• Bush fire (excluding loss or destruction caused by forest fire)
• Earthquake risk is also covered

• Any loss or damage by the insured and/ or insured’s domestic staff direct or indirect involvement in an attempted burglary.
• Any loss or damage on account of loss of livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kinds, ATM debit or credit cards, unless previously specifically declared by the company.
• Any loss or damage to any property that is illegally acquired, kept, stored which is subject to forfeiture.
• Any loss or damage occurring while insured’s home is unoccupied, for a period of more than 30 days consecutively and if the insured failed to inform the company about the same.