General Exclusions
Applicable to all Sections of this Policy
This Policy does not cover
1. Radioactive Contamination
Loss or damage to property or any expense consequential loss or legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from
| (a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel | |
| (b) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or component thereof |
2. War and Terrorism Risks
Liability loss damage cost or expense of whatsoever nature directly or indirectly caused by resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss
| (a) war invasion acts of foreign enemies hostilities or warlike operations (whether war be declared or not) civil war rebellion revolution insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped power | |
| or | |
| (b) any act of terrorism |
For the purpose of this Exclusion an act of terrorism means an act including but not limited to the use of force or violence and/or the threat thereof of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political religious ideological or other purposes including the intention to influence any government and/or to put the public or any section of the public in fear
This Exclusion also excludes liability loss damage cost or expense of whatsoever nature directly or indirectly caused by resulting from or in connection with any action taken in controlling preventing suppressing or in any way relating to (a) and/or (b) above.
If the Company allege that by reason of this Exclusion any liability loss damage cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Insured
In the event any portion of this Exclusion is found to be invalid or unenforceable the remainder shall remain in full force and effect
3. Cyber Risk
(a) Applicable to Sections 1, 2 & 3 only
Information Technology Hazards (Risk)
The Company will not indemnify the Insured in respect of any loss damage cost or expense of whatsoever nature directly or indirectly caused by resulting from or in connection with
| (i) the loss alteration of or damage to | |
| or | |
| (ii) a reduction in the functionality availability or operation of |
a computer-system hardware programme software data information-repository microchip integrated-circuit or similar device in computer-equipment or non-computer-equipment whether the property of the Insured or not
But this Exclusion shall not apply to such loss alteration damage or reduction in functionality availability or operation caused by the following
fire lightning explosion aircraft or other aerial devices or articles dropped therefrom riot civil commotion strikers locked out workers persons taking part in labour disturbances malicious persons earthquake storm flood bursting overflowing discharging or leaking of water tanks oil tanks apparatus or pipes sprinkler leakage or impact by any road vehicle or animal
(b) Applicable to all other Sections
Cyber Risk
Liability loss damage cost or expense of whatsoever nature directly or indirectly caused by resulting from or in connection with
| (a) the loss of alteration of or damage to | |
| or | |
| (b) a reduction in the functionality availability or operation of |
a computer system hardware programme software data information repository microchip integrated circuit or similar device in computer equipment or non-computer equipment that results from the malicious or negligent transfer (electronic or otherwise) of a computer programme that contains any malicious or damaging code including but not limited to computer virus worm logic bomb or trojan horse.
