Furniture protection

How to claim

Exclusions

1. War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), locked-out workers, looting, military rising, rebellion, revolution, insurrection or military or usurped power, acts of  terrorism.
2. Confiscation, commandeering, nationalization, requisition or destruction by order of the government de jure or de facto or any public, municipal or local authority of the country or area in which the property is situated.
3. Loss or damage, directly or indirectly occasioned by happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not) or any other similar incident.
4. Loss or damage directly or indirectly occasioned by happening through or in consequence of confiscation, nationalization or requisition or destruction of or damage to property by or under the order of any government of public or local authorities. But this exclusion does not apply to loss or damage caused by or in consequence of measured necessary for extinction of fire or escaping from the danger.
5. Loss or damage directly or indirectly caused by wear and tear, gradual deterioration of quality of function by use, vermin, rat, its own fermentation, mold, debasement, change of color, rust or corrosion.
6. Loss  or damage directly or indirectly caused by inherent vice of the subject-matter of insurance other than such loss as caused by inherent vice which could not be found even due carefulness by the person effecting the insurance, the Insured or a person controlling the property on behalf of them.
7. Loss or damage caused by contributed to by or arising from the radioactivity, explosiveness or other harmful nature of the nuclear fuel (including nuclear fission products)
8. Loss  or damage  resulting  from willful  misconduct  of any member of the Insured’s household, friends or employees employed by the Insured, or other parties with an interest provided however that this shall not apply in the case where such act was made in the absence of any intention to benefit the Insured by the claim.
9. In case of the subject-matter of insurance being processed (excluding repairs) loss or damage happened after the processing has begun.
10. The Company shall not indemnify the Insured, unless otherwise specifically agreed, against loss or damage caused by any lack of skill, carelessness in the case where the subject-matter of Insurance is under repair, cleaning or other similar work provided however that this shall not apply in the case when fire (excluding scorching loss or damage) has happened in consequence of the aforesaid process.
11. Loss or damage caused by electrical short-circuit or spark discharge overcharged electric current, any other electric phenomenon or machinery breakdown provided however that this shall not apply in the case where the fire (excluding scorching loss or damage) has happened through the aforesaid incidents, or where these incidents have happened in consequence of the fortuitous and external incidents.
12. Loss or damage to the subject-matter of insurance caused by fraud or seizure.
13. Loss or damage to the subject-matter of insurance caused by forgetting or disappearance.

Special exclusions

1. Pre-existing error or defect.
2. Damage guaranteed by product warranty.
3. Exclude damage during shipment by third-party shipments.

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