Limitations and exclusions applicable to this insured section
12.2.1 Virus or similar mechanism, hacking, phishing or denial of service Any losses whatsoever directly or indirectly caused by contributed to by or arising from or occasioned by or resulting from virus or similar mechanism or hacking or phishing or denial of service attack which caused:
a) damage to or the destruction of any computer system;
b) alteration, modification, distortion, erasure, corruption of data; or
c) loss of any money, currency, electronic cryptographic or virtual currency including Bitcoin or anything similar, negotiable or non-negotiable instruments, financial securities or any other financial instrument of any sort whatever; whether your property or not. This exclusion shall not apply to:
i) losses which are not proximately caused by an act of terrorism in relation to which the relevant organisation or any persons acting on behalf of or in connection with that organisation are controlled by, acting on behalf of or part of any de jure or de facto government of any nation, country or state; and
ii) cost or business interruption losses resulting directly from damage to or destruction of property insured if any alteration, modification, distortion, erasure or corruption of data causes, directly or indirectly, any of the specified perils which then indirectly result in specified losses. Electronic risks exclusion or any other electronic, digital or cyber liability exclusion in this policy shall not apply to the extent of loss or liability covered by the Terrorism insured section.
12.2.2 Mixed residential and commercial usage
a) insured under the same contract of direct insurance as the remainder of the building which is not a private residence and the commercial element of the building occupies more than twenty percent (20%) of the building; or
b) not insured in the name of an individual. For the purpose of this exclusion, a trustee, beneficiary, executor of a will or sole trader is not deemed to be an individual unless they occupy the premises or any part thereof as their own private residence.
12.2.3 Nuclear installation or nuclear reactor Any nuclear installation or nuclear reactor and all fixtures and fittings situated thereon and attached thereto and all pipes wires cables drains or other conduits or service media of any description which are affixed or connected to or in any way serve such nuclear installation or nuclear reactor.
