General exclusions applying to all sections of this policy

This policy excludes loss, damage, destruction, cost or expense of any nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any of the following, regardless of any other cause or event contributing concurrently or in any other sequence to the loss.In no case shall this insurance cover loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from:

• Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel
• The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
• Any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
• The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter
• The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes, any actual or alleged liability whatsoever for any claim or claims in respect of loss or losses directly or indirectly arising out of, resulting from or in consequence of asbestos, any chemical, biological, biochemical, or electromagnetic weapon
• This policy also excludes any loss, destruction, damage, cost or expense of any nature directly or indirectly caused by, contributed to by, resulting from or arising out of or in connection with any action taken in controlling, preventing, suppressing, retaliating against, or responding to or in any way relating to the above exclusions

Standard Exclusions

• Fragile items, Items that have a fragile sticker or writing on the packaging, fragile as deemed by Couriers and Freight or the carrier
• Currency
• Jewellery, gemstones, precious metal and rare metals and collectables
• Flat pack furniture
• Musical instruments
• Negotiable instruments
• Electronic goods not limited to laptops, computers, servers, digital storage or memory, mobile phone, battery operated or plug in operated
• Antiques
• A work of art, artwork, art piece, piece of art which may be used of any work regarded as art in its widest sense, including works from literature and music, these terms apply principally to tangible, portable forms of visual art
• Drugs
• Weapons
• Explosive or dangerous goods
• Living animals or plants, refrigerated or perishable goods
• Household items
• Personal effects
• Second hand goods
• Cigarettes and tobacco products
• Valuable documents
• Printed material or packaging
• Glass or glass products
• Porcelain or porcelain products
• Enamel or enamel products
• Man-made stone
• Any item not fit for transport under the service that has been booked under
• Over hanging items
• Items that are protruding from the packaging they are shipped in
• Poorly packed items
• Tubes
• Unusual shaped items
• Items deemed to be manually handled by a carrier
• Items that are 30kg and over and are not placed on a skid or pallet
• Items over 2m in length, width or height and not on a skid or pallet
• Pallets, crates, boxes, bags, etc. that contain the insured items
• Any item where the insurance holder cannot prove the cost of the insured item

Premium Exclusions

• Currency
• Jewellery, gemstones, precious metal and rare metals and collectables
• Flat pack furniture
• Negotiable instruments
• Antiques
• Allowed with provisions: A work of art, artwork, art piece, piece of art which may be used of any work regarded as art in its widest sense, including works from literature and music, these terms apply principally to tangible, portable forms of visual art – only if professionally packed and valued
• Drugs
• Weapons
• Explosive or dangerous goods
• Living animals or plants, refrigerated or perishable goods
• Household items
• Personal effects
• Second hand goods
• Cigarettes and tobacco products
• Printed material or packaging
• Any item not fit for transport under the service that has been booked under
• Over hanging items
• Items that are protruding from the packaging they are shipped in
• Poorly packed items
• Items that are 30kg and over and are not placed on a skid or pallet
• Items over 2m in length, width or height and not on a skid or pallet
• Pallets, crates, boxes, bags, etc. that contain the insured items

Additional Exclusions

This policy does not cover:

• The first amount (excess) of any claim as specified in the Policy Schedule
• Loss or damage caused by delay
• Loss or damage caused by your misconduct, or intentionally caused by you or any person acting with your expressed or implied consent
• Loss or damage caused by ordinary wear and tear
• Loss or damage caused by the nature of the property (e.g. metal rusting)
• Loss or damage caused by moths, insects, rats or other vermin
• Loss of use of your property or any other form of consequential loss, reduction in value of the insured property due to repairs
• Loss or damage caused by legal seizure of your property
• Loss or damage existing prior to this insurance being taken out
• Loss or damage arising out of nuclear or atomic contamination
• Loss or damage to property already unpacked at the specified destination address
• Electrical and/or mechanical and/or electronic failure unless it is caused by visible external physical damage to the item
• Loss or damage caused by mould or mildew due climatic or atmospheric conditions or extremes in temperature

Geographic Exclusions

• Africa: Algeria, Central African Republic, Chad, Democratic Republic of Congo, Eritrea, Ethiopia, Guinea, Cote D’voire (Ivory Coast), Kenya, Madagascar, Nigeria, Rwanda, Sierra Leone, Somalia, Sudan and Zimbabwe
• Caribbean: Cuba
• Eastern Europe: Belarus, Georgia, Tajikistan, Turkmenistan and Uzbekistan
• East Asia: North Korea
• South Asia: Afghanistan, Iran and Pakistan
• South Asia: Afghanistan, Iran and Pakistan
• Southeast Asia: Burma (Mayanmar)
• Western Asia: Iraq, Lebanon*, Liberia, Syria and Yemen
• South America: Bolivia and Columbia

*Subject to United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, European Union, United Kingdom or United States of America.

For a claim to be successful, any loss or damage must be reported to Couriers and Freight within 7 days of the actual or anticipated arrival of the goods.