Accidental damage insurance

• The accidental, physical loss of, or damage to, the insured property on your premises.
• Fees for the examination of municipal or other plans.
• Costs incurred in the necessary demolition, removal of debris and the erection and maintenance of hoardings during demolition and rebuilding.
• Architects' and other professional fees.
• Fire brigade charges.
• Any costs incurred due to the necessity to comply with building or other regulations of any public authority.

Loss or damage to property due to or caused by

• Any insured incident that's excluded, or property more specifically insured elsewhere or for which the king offers cover.
• Detention, confiscation or requisition by customs or other officials or authorities.
• Unexplained disappearance, loss or shortage only revealed during or after an inventory of errors, or omissions (in receipts, payments or accounting) or misplacing or misfiling of information.
• Normal settlement, heave, weakening or removal of the ground supporting a building.
• The cracking of any structure.
• Failure of, deliberate withholding or lack of supply of water, steam, gas, electricity, fuel or refrigerant.
• The collapse of plant and machinery or buildings and structures (except for shelving and storage platforms).
• Chemicals, oils, liquids, gases or fumes leaked or discharged from containers (unless otherwise stated on your policy schedule).
• Fraudulent activities or dishonesty (where you are the victim, or by your principal, employee or agent).
• Overheating, implosion, cracking, fracturing, weld failure, nipple leakage, or other failure of vessels, pipes, tubes, etc.
• Breakdown, electrical, electronic and/or mechanical derangement.
• Altering, bleaching, cleaning, dyeing, manufacture, repair, restoring, servicing, renovating, testing or other work done to or on it.
• Fault or defect in design, formula, specification, drawing, plan, materials, workmanship or professional advice, normal maintenance, gradual deterioration, depreciation, corrosion or rust.
• Oxidation, chemical action or reaction, frost, change in temperature, expansion or humidity, fermentation or germination, dampness, dryness, wet or rot, shrinkage, evaporation, loss of weight, contamination, pollution, change in colour, flavour, texture or finish, or own wear and tear.
• Denting, chipping, scratching or cracking (that doesn't affect operation of the item).
• Termites, moths, insects, vermin, inherent vice, fumes, flaws, latent defect, fluctuations in atmospheric/ climatic conditions or the action of light.
• Of coins, bank and currency notes, traveller's and other cheques, money and postal orders, postage and revenue stamps, credit card vouchers and other certificates, documents or negotiable instruments.
• Of furs, jewellery, bullion, precious and semi-precious metals and stones, curiosities, rare books and works of art.
• Of property in transit by air, inland waterway or sea.
• Of railway locomotives, rolling stock or other railway property, aircraft, watercraft, mechanically or electronically propelled cars, motorcycles, mobile plants, caravans and trailers.
• Of trees, crops, animals, land, driveways, pavements, roads, runways, dams, reservoirs, canals, pipelines (external), tunnels, cables (external), cableways, bridges, docks, jetties, wharves, piers, excavations, property below the ground and explosives.
• Of electronic data processing equipment and external data media (and their information).
• Of property (and related materials or supplies) in the course of construction, erection or dismantling.
• Of property in possession of your clients under lease, rental, credit or suspensive sale agreements.
• Of glass, china, earthenware, marble and other fragile brittle things (unless otherwise stated on your policy schedule).
• Removal of debris (with exceptions as stated on your policy schedule).
• Anything for which notice had been served on you prior to the event.
• Costs where the building can't be built or repaired where it stood prior to the event.
• Rates, taxes, duties, development and other charges payable.

• Leakage.
• Specifically exclude property you don't want to cover.