What damages/defects are not covered under the mobile insurance policy?

Here are the damages that are not covered under this policy:

• Any manufacturing defect which is covered under manufacturer’s warranty whether latent/inherent or not
• Mysterious disappearance or unexplained losses
• Any intentional damage to the device
• Any unauthorised repair of the device
• Theft or loss of device
• Loss or damage to accessories, SIM card or ancillary products (e.g. memory card)
• Damage to the device because it wasn’t used as per the manufacturer’s guidelines, including short circuit during power surge 
• Any cosmetic damage not resulting in stoppage of or functioning/usage of the device - including but not limited to:
  - Scratching, cracking and/or denting of the device body
  - Minor damage or scratch on the device screen/LCD
  - General wear-and-tear
• Loss of data or loss of installed software
• Loss or damage due to electrical or mechanical breakdown
• Loss or damage to the device due to any of the following:
  - Loss due to confiscation by government/local authorities or security agencies
  - Loss or damage during commercial transit
  - Loss or damage during war, riots, fights, act of terrorism, or nuclear radiation

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