SCOPE OF COVER
Covers accidental physical loss of or damage to the Insured Property from any external cause whilst in the Insured Premises but excluding the following:

EXCLUSIONS
The Insurers will not indemnify the Insured in respect of:
(a) electrical or mechanical breakdown or derangement of plant machinery or Equipment

(b) deterioration of property due to change in temperature or humidity or failure
      or inadequate operation of an airconditioning cooling or heating system
(c)  subsidence, ground heave, landslip, erosion, setting or cracking.