This is a policy which covers losses due to sudden and unforeseen causes. It comprises 3 sections:

• Section I Material Damage Section

• Section II Loss of Data and Data Media Section 

• Section III Additional Costs Section

Here is an overview of your coverage

Material damage due to:

Incorrect operation, negligent or maliciaous acts of employees or third parties

Burglary, theft, robbery and the events related to them

Faulty design and material

Short circuit, excessive voltage, induction

Fire, lightning and explosion of all kinds (including the damage caused by fire-fighting and rescue operations)

Scorching and charring, smoke soot

Forces of nature such as storm, flood, hall, landslide

Any influence of water and moisture and corrossion resulting from them

Any other accident not hereinafter excluded

For more information , please kindly contact our staff tel. 0-2257-8000 (Thai) , 0-2686-8889 (Japanese)

GENERAL EXCLUSIONS

The Insurers will not indemnify the Insured in respect of :

1. The excesses stated in the Schedule to be borne by the Insured

2. Wilful act or omission or gross negligence of the Insured or his representatives

3. i. Loss or destruction or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss

ii. Any legal liability of whatsoever nature

Directly or indirectly caused by or contributed to by or arising from

 (a) Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the  combustion of nuclear fuel. For the purpose of this exclusion only combustion shall include any self-sustaining process of nuclear fission

4. Any loss, destruction, damage or legal liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.

5. Loss, damage or liability directly or indirectly caused by or arising out of war, invasion, act of foreign enemy, hostilities (whether war be declared nor not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lock-out, civil commotion, military or usurped power, or malicious persons acting on behalf of or in connection with any political organisation, confiscation, commandeering, requisition or destruction of or damage to property by order of the government de jure or de facto or by any public authority.

In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion (5) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.