QBE

Not on file.

Not on file.

Not on file.

New Zealand — Insured Property must be located at Premises shown in Schedule; Extension 3 (Capital additions) applies to property in New Zealand; Employees effects covered in New Zealand or Australia; property located outside New Zealand excluded under Exclusion 16(g) unless shown in Schedule

• total or partial cessation of work unless also resulting from an otherwise insured Event
• Computer Virus — Loss or Damage directly or indirectly caused by or arising from any Computer Virus
• confiscation, requisition or destruction of or Damage to Insured Property by order of government or local authority (except for fire or another insured peril control purpose)
• consequential losses including fines, penalties, loss of use, delays, loss of market, rates, tax, duty or development charges, and charges arising out of capital appreciation to comply with Regulations (unless under Section 2)
• destruction, distortion, erasure, corruption, alteration, misinterpretation or misappropriation of Electronic Data from any cause
• error in creating, amending, entering, deleting or using Electronic Data
• inability or failure to receive, send, access or use Electronic Data
• faulty materials — cost of repairing or replacing faulty materials
• faulty workmanship — cost of putting right faulty workmanship
• faulty or defective design, plan or design specification
• Historic, heritage or cultural heritage significance or value — additional costs to comply with Regulations in connection with such significance
• illegal substances — Loss, Damage, interruption or interference directly or indirectly caused by or arising from any activity in connection with drugs or illegal substances (except fire or explosion)
• notifiable infectious disease under the Health Act 1956
• pest management plan under the Biosecurity Act 1993
• interruption of supply — Loss or Damage or business interruption directly or indirectly caused by interruption of supply of electricity, fuel, water, gas, steam or refrigerant
• leaky building — Loss or Damage caused by moisture or water build-up, penetration of external moisture or water, or action of mould, fungi, mildew, rot, decay, gradual deterioration, micro-organisms, bacteria, protozoa
• machinery breakdown — explosion, overheating, rupture, bursting, cracking, leakage or collapse of Machine; mechanical, hydraulic, electrical or electronic breakdown, failure, malfunction or derangement of any Machine (unless caused by non-excluded loss)
• geothermal activity or subterranean fire
• landslip, subsidence or erosion of the land (subject to Extension 12)
• earthquake, tsunami, volcanic eruption, hydrothermal activity, and fire following any of these
• normal settlement, shrinkage or expansion of Buildings, foundations, walls, pavements, roads or other structural improvements
• nuclear weapons material
• ionising radiation from or contamination by radioactivity from nuclear fuel, nuclear waste or combustion of nuclear fuel
• radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or nuclear assembly
• any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
• fumes, gas, dust, smoke or smuts
• normal working, normal maintenance, wear and tear, erosion, corrosion, slowly developing deformation or distortion, marring or scratching
• action of micro-organisms, animal, vermin or insects
• inherent nature of the property or action of light
• seepage, pollution or contamination
• changes in artificially controlled temperature, or changes in atmosphere or humidity
• property in the course of installation, construction, demolition or erection, or testing (subject to Extension 18)
• Money (as property — subject to Extension 15)
• jewellery, precious stones, furs, precious metals or bullion (other than as Stock or part of plant/machinery)
• motor vehicles, other mechanically or electrically propelled vehicles, watercraft and aircraft (other than as Stock)
• property in transit other than at Premises owned or occupied by You
• property damaged as a result of undergoing any Production Process where Damage is directly caused by that process
• standing timber, growing crops, live plants, livestock or any living creature, trees, hedges, dams, canals, reservoirs, artificial turf, railways, road or railway tunnels, bridges, docks, piers, wharves, mining property beneath the surface, any land including topsoil and backfill
• property located outside New Zealand (unless shown in Schedule)
• sanctions — Loss or Damage or benefit that would contravene any UN resolution or trade/economic sanctions laws of New Zealand, Australia, United Kingdom, United States of America or European Union
• seismic strengthening — costs of seismic strengthening to a level greater than immediately prior to Damage for damaged but not Destroyed property
• terrorism — Loss, Damage, death, injury, illness, cost or expense directly or indirectly caused by, resulting from or in connection with any act of Terrorism; and actions taken in controlling, preventing or suppressing any act of terrorism
• Transmission and Distribution Lines (except lines from public highway to insured Premises within 300 metres of an insured structure that are the responsibility of the Insured)
• unexplained disappearances, shortages revealed only by inventory, shortages due to clerical or accounting errors
• fraudulent scheme or device, theft or false pretence practised on or by You or any person having care of Insured Property including employees
• war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war
• mutiny, civil commotion amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or usurped power
• exposure to weather conditions where property is not normally left in the open unless reasonable precautions taken