This policy does not cover the following:
For Online Shopping Fraud Benefit
(a) unauthorised transactions;
(b) online transactions on genuine websites where the trader becomes insolvent and/or fail to deliver your purchases or purchases are delivered with faults/ damages.
For Purchase Protection Benefit
(a) mysterious disappearance of Insured items;
(b) any claim for intentional or deliberate damage;
(c) normal wear and tear to Insured items;
(d) damage to Insured items caused due to manufacturers fault.
For Buyer’s Protection Benefit
(a) if you change your mind or regret the purchase;
(b) loss or theft of purchased item.
For Accidental Death and Permanent Disablement
(a) Existing disability;
(b) Deliberately self-inflicted injury or suicide;
(c) Criminal or illegal act;
(d) Being under the influence of alcohol;
(e) Pre-existing conditions.
Please note that this list is non-exhaustive. For the full list of exclusions, please refer to the Policy Wording.