- Fire and lightning
- Storms, cyclones, hurricanes, typhoons, tornadoes, tsunamis, floods
- Forest fires
- Missile testing operations
- Acts of terrorism
- Bursting or overflow of water tanks, pipes
- Explosions or collapse due to low internal pressure
- Earthquake
- Sinking of an area
- Damage caused to the property when external objects crash into it
- Riots or strikes
- Leakage from automatic sprinkler systems
- Theft during working hours (without any break-in)*
- Burglary^
*This must be reported within 7 days
^This is an add-on cover and is subject to payment of additional premium
- Loss caused by burning of insured property following orders from a public authority
- Claims where important or relevant facts were deliberately omitted
- Damage to stocks in cold storage due to change in temperature
- Damage to property after undergoing any heating, drying process
- Loss or damage due to war
- Damage from nuclear contamination
- Damage due to pollution
- Missing or misplaced property without any clear evidence of loss
- Cost incurred in preparing or submitting a claim
- Premise is unoccupied for more than 30 days
- Loss or damage in basement
- Damage to kutcha (temporary or thatched) constructions
Note: Please refer policy wording of specific products for better understanding on the complete list of inclusion and exclusions.