Handset Insurance Exclusions

We will not pay “loss” caused directly or indirectly by any of the following. Such “loss” is excluded regardless of any other cause or event that contributes con-currently or in any sequence to the “loss”.

1. Nuclear hazard, meaning any weapon employing atomic fission or fusion: nuclear reaction to radiation or radioactive contamination from any other cause. But we will pay for direct physical “loss” caused by resulting fire.
2. War: Including undeclared or civil war, warlike action by a military force, including action in hindering or defending against expected attack, by any government, sovereign or any other authority using military personnel or other agent s of insurrection, rebellions, revolution, usurped action or action taken by government authority in hindering or defending against any of these.
3. Government action, meaning seizure or destruction of property by order of government authority.
4. Indirect loss of any delay, loss of market, loss of use or any other consequential “loss”; an increase of “loss” caused by or resulting from the delay in repairing or replacing covered property due to interference, at the location of repair or replacement by strikes, other persons or any other cause for loss.
5. “Loss” caused by or resulting from insects, vermin or other wild animals.
6. “Loss” due to voluntary parting of covered property by you or anyone entrusted with the property.
7. “Loss” due to obsolescence, including technological obsolescence of the covered property.
8. Intentional dishonest, including criminal acts, by you, and any of your authorized representatives, anyone you entrust with the property and any of their family members. Or anyone else with an interest in your property for any purpose, acting alone or in collusion with others.
9. “Loss” caused by change in color, texture, finish, extraction or contraction of covered property, however caused, or any other cosmetic damage to covered property, however caused.
10. “Loss” caused by faulty repair, adjusting, installation, serving of maintenance unless fire or explosion ensues and the only for “loss” by ensuing fire or explosion.
11. Discharge, dispersal, seepage, migration, release or escape of “pollutants”.
12. Unauthorized repair or replacement.
13. Preventive maintenance or adjustments.
14. Use of the covered property in a manner for which it was not designed or intended by the manufacturer, or failure to follow the manufacturer’s installation, operation or maintenance instructions.
15. Error or omissions in design, programming, system configuration, faulty construction. Or any original defect in any covered property or recall by the manufacturer.

Mechanical breakdown not caused by a covered cause of loss.