The All Risks insurance covers all risks except the risks which are specifically outlined to be excluded in the policy.

Losses or damages to your property due to fire, theft or any other accidents or misfortunes

Losses or damages caused by perils unless such perils are specifically excluded in the policy

Wear and tear, depreciation, gradual deterioration, rust, mildew, moth, vermin or any process of cleaning, dyeing, repairing, restoring or renovating

Mechanical or electrical breakdown or derangement.

Scratching or denting of any article or breakage of lenses or glass china earthenware marble gramophone records or other articles of a brittle nature unless caused by burglary thieves or fire.

War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not) or civil war.

Mutiny, strike riot and civil commotion, military or popular rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determined the proclamation or maintenance of martial law or state of siege.

Confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any Government or Public or Local Authority.