Major Exclusions

1. We shall not be liable to make any payment to the Insured in connection with or in respect of any expenses whatsoever incurred by any insured arising out of deviation in Weather Index resulting from

• Ionizing radiations or contaminations by radioactivity from any nuclear waste from the combustion of nuclear fuel; or
• The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof, under this Policy.

2. We shall not be held liable to make any payment under this policy to the insured in case of loss or damage to crops, property or events arising directly out of the insured AOG perils such as Storm, Cyclone, Tempest, Typhoon, Hurricane, Tornado, Flood, Inundation, Earthquake, Tsunami, Hailstorm. However, in case, the insured AOG peril has caused any deviation in the Weather Index as mentioned in the term sheet of this policy, the company shall be liable to provide compensation as per the terms stated in the term sheet.

3. We shall not be liable to make any payment under this Policy in connection with or in respect of any expenses whatsoever incurred by any Insured in connection with or in respect of any event that leads to diminished agricultural or non-agricultural output/yield, or increased operational costs, howsoever caused, other than on account of a deviation in weather parameters as stated in the Schedule within a certain geographical location and specified time period.

4. Riots, Strike, Malicious Damage, Acts of Terrorism, Loss or damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to such action taken in respect of any act of terrorism shall be excluded.

5. War, war-like operations, act of foreign enemy, invasion of Indian territory or any part thereof, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion, military or usurped power, or loot or pillage in connection with the foregoing, seizure, capture, confiscation, arrests, restraints and detainment by order of any governments or any other authority.

6. In case of cover granted for agricultural activities, insurance is not valid, if the land is not cultivated during the policy period.

7. Damage to property and contents due to pollution of any kind and any damage, injury, accident, disease or illness occurring before cover commences.

8. Consequential losses of any kind, by way of loss of profit, business interruption, market loss or otherwise and/or any other legal liability of any kind.