Common use of WHAT RISKS CAN BE INSURED? Clause in Contracts

WHAT RISKS CAN BE INSURED?. Provided it is so stated in the schedule, the insur- ance shall extend to include: 5.1. Fire 1 Loss or damage caused by fire, smoke, light- ning, explosion (with the exception of sonic boom) and implosion; 2 Loss or damage caused by the falling or forced landing of aircraft and spacecraft or parts thereof, as well as meteorites or other heavenly bodies; 3 Misplacement as the result of a fire loss; 4 scorching damage and damage to contents which are exposed to a friendly fire or to heat, up to CHF 5,000 per event. a Loss or damage caused by the effect of smoke, where the effect is in line with the intended pur- pose of the smoke or gradual; b Damage to live electrical equipment and lines caused by the effect of the electrical energy it- self, by overvoltage or due to such equipment and lines heating up as the result of their being overloaded; c Damage caused to electrical protection devices such as non-renewable fuses whilst they are ful- filling their normal intended purpose; d scorching damage by any gradually operating cause; 5.2. Natural perils 1 Loss or damage caused by flood, inundation, storm (= wind of at least 75 km/h, toppling trees or tearing the roofs off buildings), hail, avalanche, weight of snow, rockfall, falling stones, landslip; 2 Misplacement as the result of a natural peril loss. 1 Burglary, which the following come within the scope of: - Loss or damage resulting from theft and caused by perpetrators who make a forcible entry into a building or into a room of a build- ing or who break open a receptacle contained therein. This does not include loss or damage as the result of vehicles in the open being broken into; - Outbreak theft which means a theft caused by an enclosed delinquent, who escapes forcibly from a building or from a room of the building; - Theft damage caused by unlocking using the correct keys or codes, magnetic cards and the like, provided the perpetrator acquired these on the occasion of a burglary or through rob- bery; - Damage to buildings and / or contents at the stated insurance location. 2 Robbery, which the following comes within the scope of: Loss or damage resulting from theft under the threat of or use of violence against insured per- sons or whenever a person is incapable of offering resistance on account of death, unconsciousness or of an accident. This does not include loss or damage as the result of pickpocketing and theft by trickery. 3 Ordinary theft, which the following comes within the scope of: Loss or damage resulting from theft which is deemed to be neither burglary nor robbery. a loss or damage resulting from losing or mislay- ing something; b the content of movable structures which are not located on the premises at the insured location;

WHAT RISKS CAN BE INSURED?. Provided it is so stated in the schedule, the insur- ance shall extend to include: 5.1. Fire 1 Loss or damage caused by fire, smoke, light- ning, explosion (with the exception of sonic boom) and implosion; 2 Loss or damage caused by the falling or forced landing of aircraft and spacecraft or parts thereof, as well as meteorites or other heavenly bodies; 3 Misplacement as the result of a fire loss; 4 scorching damage and damage to contents which are exposed to a friendly fire or to heat, up to CHF 5,000 per event. a Loss or damage caused by the effect of smoke, where the effect is in line with the intended pur- pose of the smoke or gradual; b Damage to live electrical equipment and lines caused by the effect of the electrical energy it- self, by overvoltage or due to such equipment and lines heating up as the result of their being overloaded; c Damage caused to electrical protection devices such as non-renewable fuses whilst they are ful- filling their normal intended purpose; d scorching damage by any gradually operating cause; 5.2. Natural perils 1 Loss or damage caused by flood, inundation, storm (= wind of at least 75 km/h, toppling trees or tearing the roofs off buildings), hail, avalanche, weight of snow, rockfall, falling stones, landslip; 2 Misplacement as the result of a natural peril loss. 1 Burglary, which the following come within the scope of: - a Loss or damage resulting from theft and caused by perpetrators who make a forcible entry into a subsidence, heave, poor quality building land, faulty structural de- sign, defective maintenance of the building, fail- ure to introduce protective measures, artificially induced earth movements, snow sliding off roofs, groundwater, rise and overflow of waters which is from experience known to recur at shorter or into a room longer intervals; b Irrespective of a build- ing or who break open a receptacle contained therein. This does not include its cause, loss or damage as the result of vehicles in the open being broken into; - Outbreak theft which means a theft caused by an enclosed delinquentwater from artificial lakes or other artificial wa- ter installations, who escapes forcibly water backing up from a building or from a room of the building; - Theft damage caused by unlocking using the correct keys or codes, magnetic cards and the like, provided the perpetrator acquired these on the occasion of a burglary or through rob- bery; - Damage to buildings and / or contents at the stated insurance location. 2 Robbery, which the following comes within the scope of: Loss or damage resulting from theft under the threat of or use of violence against insured per- sons or whenever a person is incapable of offering resistance on account of death, unconsciousness or of an accident. This does not include loss or damage as the result of pickpocketing and theft by trickery. 3 Ordinary theft, which the following comes within the scope of: Loss or damage resulting from theft which is deemed to be neither burglary nor robbery. a loss or damage resulting from losing or mislay- ing something; b the content of movable structures which are not located on the premises at the insured locationpipes;