Excluded items Clauses Exemplaires

Excluded items. Furthermore, the following are not covered by this policy (except in regard to claims by tenants, occupants, neighbours and third par- ties): - Bodies of water, plots of land, basements (except cellars, car parks and gallery and building basements), channels and pipes, crops and outdoor vegetation. - Tunnels, roads and bridges used by public vehicle traffic. - Weirs, dykes and mines. - Damage to wharves, docks and jetties unless they form an integral part of a building. - Aircraft, spacecraft, seacraft, land-based motor vehicles and their trailers while travelling outside the insured sites or their immediate surroundings (except in the event of fire or explosion and except for heavy construction, lifting and equipment handling vehicles). - Movable and immovable assets held by the Insured Party, for which it is not responsible for insuring on behalf of another party and for which it has received a claims waiver from the owner(s) and their in- surers. It is, however, agreed that this policy's cover will be activated to cover direct claims from the owners of these assets if their own policy proves to be inadequate at the time of the loss, if a premium - reduced due to this particularity - has been paid in this respect. NB: These assets and liabilities are only excluded for events covered by separate policies taken out by the owners or by claim waivers as discussed above when those waivers operate. - Valuable objects, unless they are used for the Insured Party's pro- fessional activities. - The contents of cold stores and refrigeration units, when the da- mage results from a fault in the merchandise itself or when there is an electricity outage ordered by government authorities. - Animals. However, the Insured Party will be covered when the aforementioned goods are stocked, presented or sold on insured premises or their surroundings. - Products and merchandise made by the Insured Party itself and whose characteristics make them unsuitable for use or sale, unless the faults are the result of non-excluded equipment damage. - Merchandise sold by the Insured Party without retention of title and received by the purchaser or a duly authorised third party, after the effective transfer of risk to that purchaser. - Assets in the process of being built, demolished, assembled or tes- ted, except in the event of fire, explosion, lightning, water damage, storm, an aircraft crash, vehicle impact, acts of vandalism, terro- rism, sabotage and attack. Although these events cou...