What's Not Covered
MicroCover protects against loss and damage for all commodity, except the below exclusions:
Not Covered Commodity

Exclude Rusting, Oxidation and Discolouration unless caused by insured perils

Not Covered Commodity

Exclude Denting, Scratching and Chipping unless caused by insured perils

Not Covered Commodity

Exclude Electrical, Electronic and Mechanical Derangement unless caused by insured perils

Not Covered Commodity

Excluding loss and/or damages arising from infidelity or acts of dishonesty or fraud of any partners, directors or employees of the insured

Exclusion Items
Not Covered Item - Alcohol
Alcohol / Hard Liquor

Red wine, white wine, whisky, brandy and beer

Not Covered Item - Art
Artwork / Historical Artefacts / Religious Items

Antiques, manuscripts, drawings, paintings, works of art, religious pendants, religious paintings, religious statues and any artistic or religious items where the market value is not justifiable

Not Covered Item - Chip
Chip

Microchip, silicon chip, microprocessor, and integrated circuit that contains data. Data loss is excluded

Not Covered Item - Commercial Products
Commercial Products

Mannequin and scale model

Not Covered Item - Explosive/Inflammable
Explosive / Inflammable

All kinds of explosives, inflammable properties, matches, firecrackers, tobacco, cigars, cigarettes and the like

Not Covered Item - Luxury Items
Luxury Items

Gold or items made therefrom, silver, cash, note of currency, jewellery, previous stones, bullion and silverware.

Not Covered Item - Plants
Plants

All kinds of livestock, plants and flowers

Not Covered Item - Valuable Papers
Valuable Papers

All kinds of valuable paper inclusive of and not limited to passport, accounts, bills, currency deeds, evidence of debts, letter of credit, securities and tender documents

Cover For Loss Only (Damage Coverage Excluded):
Not Covered Item - Car Accessories
Car Accessories

Car window, car skirting, car windscreen, car bumper, car mirror, car bonnet and car rim

Not Covered Item - Furniture/Home Appliances
Furniture / Home Appliances

Television, washer / dish washer, lighting and lamp, washing machine and drying machine

Not Covered Item - Food
Food

Canned food, standard commercial packaging powder, frozen food and bird nest

Not Covered Item - Glass/Fragile Items
Glass / Fragile items

Glass, tempered glass, fragile items, photo frames and acrylic, perfumes and items packed in glass container or bottle

Not Covered Item - Hamper Gifts
Hamper & Gift

Any hamper & gift with specific packaging that is not delivered in the standard courier & express box packaging

Not Covered Item - Kitchen Products
Kitchen Products

Granite top, cup, melamine ware, tea set, kitchen hood, oven and fridge

Not Covered Item - Musical Instruments
Musical Instruments

Cello, clarinet, drum, electronic guitar, guitar, piano, saxophone, trumpet, violin and etc