This Insurance policy covers three types of coverages to electronic equipments.

1. Mental Coverage
Coverage:
This policy covers any unforeseen and sudden physical loss or damage, from any cause other than those specifically excluded, in a manner necessitating repair or replacement.

General Exclusion:
This insurance policy does not cover any loss or damages due to:

1. Earthquake, volcanic eruption, tsunami, hurricane, cyclone or typhoon.
2. Theft.
3. Any faults or defects existing at the time of commencement of this policy within the knowledge of insured or his representative.
4. Failure or interruption of any gas, water, electricity service or supply.
5. The wear and tear, cavitations, erosion, corrosion, incrustation or of gradual deterioration due to atmospheric condition.
6. Loss and damages for which manufacture or supplier of insured item is responsible either by law or under contract.
7. 7. Consequential loss or liability of any kind.
8. Aesthetic defects, such as scratches on painted, polished or enameled surfaces.

Coverage:
This insurance policy covers all the external data media as mentioned in the policy inclusive of the information stored thereon, which can be directly proposed in external data media system.

Exclusion:
This insurance policy is not liable for,

1. Any cost arising from false programming, punching, labeling, or inserting, inadvertent cancellation of information or discarding of data media, and from loss of information caused by magnetic field.
2. 2. Consequential loss of any kind or description or description.

Coverage:
This section of the insurance policy covers the increased value of cost due to public holiday for the maintenance of material damage or external data media that are described in the schedule.

Exclusion:
The insurer is not liable for any additional expenditure incurred as a result of,

1. Restrictions imposed by public authorities concerning the reconstruction or operation of the EDP equipment insured.
2. The necessary funds not being available to the insured in time for repairing or replacing damaged or destroyed equipment.