Delta Insurance

Not on file.

Not on file.

Not on file.

New Zealand — Insured Property at the Situation as stated in the Schedule; temporary removal cover applies within New Zealand (clause 5.25); transit cover within New Zealand and internationally until goods pass over ship's rail or through air transport loading doors for overseas transit; suppliers and customers extensions limited to New Zealand premises

• the applicable Excess stated in the Schedule
• fraudulent misappropriation of Insured Property committed by any employee, partner or director of the Insured
• voluntarily parting with title or possession of any Insured Property if induced to do so by any fraudulent scheme, trick or false pretence
• any consequential economic loss including penalties, loss of use of any property, delays or loss of market
• Loss Or Damage caused solely by exposure to weather conditions to Insured Property not normally left in the open unless reasonable precautions have been taken
• unexplained loss or inventory shortages revealed only at stocktaking or shortages due to accounting or clerical errors
• Loss Or Damage caused by or resulting from normal settling, shrinkage or expansion of Building or foundations
• Loss Or Damage caused by landslip, subsidence, erosion or expansion of the ground
• Loss Or Damage to Insured Property deliberately caused by You
• design fault, error or omission in design, plan or specification
• wear and tear, gradual deterioration, corrosion
• vermin or insects
• change in artificially controlled temperature or atmosphere
• fumes, gas, dust, smoke or smuts, action of light, inherent nature of the property, shrinkage, evaporation, loss of weight, change of flavour, colour, texture or finish, pollution, contamination, and interruption of the supply of water, gas, electricity or fuel
• Loss Or Damage to any plant or equipment directly caused by its own electrical malfunction
• Loss Or Damage to Stock undergoing any production process where the Loss Or Damage is directly caused by the normal operation of that process
• Loss Or Damage directly caused by explosion, rupture, bursting, cracking, leakage, collapse, of steam boilers due to fluid pressure within or without (other than pressure caused by chemical explosion)
• Loss Or Damage directly caused by mechanical or electronic breakdown of machinery or electrical equipment
• any costs incurred for the purpose of seismically strengthening the Insured Property to a performance level greater than its performance level before the Loss Or Damage
• shortages caused by errors in receiving or paying out Money
• fraud or dishonesty of any employee of the Insured unless discovered within 72 hours (excluding Saturday, Sunday and/or Public Holiday) of its occurrence
• payment of Money for or in consideration of a cheque which is subsequently dishonoured
• Money being entrusted to any person other than You, Your employees, Your authorised agents, or a professional Money carrier
• war and warlike operations (general policy exclusions — referenced but full text truncated)
• nuclear (general policy exclusions — referenced but full text truncated)