Is there any exclusion?

We don’t cover you for:
1. Uninsurable risk such as scratching, corrosion, wear and tear,

2. Items which are insured under a separate policy;
3. Malicious damage or vandalism by a person residing in the insured
premises;
4. Contact lenses, mobile/portable phone, laptop, computer;
5. The insured premises unoccupied for more than 30 days

For more details, refer to our insurance policy wording.