No indemnity is allowed in the following situations: Loss and /or damage which arises due to war whether declared or not, invasion, hostilities, act of foreign enemy , civil war, mutiny or civil commotion. Loss/ damage/ destruction caused directly or indirectly to the property insured byThe plan also does not cover the loss/ damage/ destruction caused to the property of the insured due to pollution or by contamination. Ionizing, radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste. Radioactive toxic explosives. The plan does not cover the loss/ damage/ destruction to stock in cold storage caused due to change in temperature. The plan does not cover loss or damage caused to any electrical machine, apparatus, fixture or fitting arising out of overrunning, excessive pressure , self heating, short circuiting, arcing, or leakage of electricity. All expensed incurred for Architects, Surveyors, and Consulting Engineers fees and debris removal by the insured following the loss in excess of 3% and 1% of the claim amount respectively. The plan does not cover the loss by theft during or after the incident of any of the insured perils except as provided under riot, strike and malicious damage cover. The plan does not cover the loss of earnings or any other consequential or indirect loss and damage of any kind. Loss or damage due to earthquake, volcanic eruptions or other convulsions of nature. The plan does not cover the loss or damage to the property insured if removed to any building or place other than in which it is except for machinery and equipment temporarily removed for cleaning , repair, renovation or similar other purposes for not more than 60 days. The plan does not cover the loss by theft during or after the incident of any of the insured perils except as provided under riot, strike and malicious damage cover. Loss of earnings or any other consequential or indirect loss and damage of any kind is not covered under the plan.