These are:
a. Fire, explosion, lightning, smoke.
b. Earthquake or volcanic eruption including flood or overflow of the sea caused by these events.
c. Tsunami, hurricane, cyclone, tornado or windstorm including tidal wave, flood or overflow of the sea caused by these events.
d. Flood or overflow of the sea not caused by b or c above.
e. Collision involving any vehicle or craft, other flying devices or anything dropped from them, or by an animal.
f. Riot, civil commotion, labor and political disturbances.
g. Malicious acts or vandalism.
h. Sudden and unexpected escape of water or oil from any fixed water or heating installation, water tank, pipe, washing machine, dishwasher, fridge or freezer, air conditioning unit, aquarium or water bed.
i. Falling trees or branches.
j. Breakage or collapse of any external aerial/antennae or satellite dish, utility pole or overhead cable.
k. Theft or attempted theft.
l. Subsidence or ground heave of the site on which your buildings stand, or landslip.

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