1. The first 5% of each claim subject to a minimum of Rs. 10,000 in respect of each loss arising out of “Act of God perils” such as Lightning, STFI, Subsidence, landslide and Rock slide covered under the Policy

2. The first Rs. 10,000 of each loss arising out of other perils in respect of which the Insured is indemnified by this Policy.

3. The Excess shall apply per event per Insured.

4. Loss, destruction, or damage caused by war, and kindred perils.

5. Loss, destruction, or damage directly or indirectly caused to the insured property by nuclear peril.

6. Loss, destruction, or damage caused to the insured property by pollution or contamination.

7. Loss, destruction, or damage to any electrical and / or electronic machine, apparatus, fixture or fitting (excluding fans and electrical wiring in dwellings) arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity, from whatever cause (lightning included).

8. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or disruption whatsoever.

9. Earthquake Vulcanic eruption: Earth Quake can be covered under the fire policy but by paying additional premium,

10. Loss or damage due to Terrorism unless specifically covered.

Loss or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the perils covered.

11. Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike, Malicious and Terrorism Damage cover.

12. Loss or damage to property insured if removed to any building or place other than in which it is herein stated to be insured, except machinery and equipment temporarily removed for repairs, cleaning, renovation, or other similar purposes for a period not exceeding 60 days.