Damage to your bike is covered as a result of:

• Own Damage
  Accidental collision or overturning.
  Collision or overturning consequent upon mechanical breakdown or consequent upon wear and tear.
  Malicious act.
  Whilst in transit (including the processes of loading and unloading incidental to such transit) by road lift or elevator.
• Cyclone, Tempest & Flood
  Flood: The overflowing or deviation from their normal channels of either natural or artificial water courses that submerges land or public roads that are normally dry.Tidal Wave and TsunamiA series of ocean waves caused by earthquakes or undersea volcanic eruptions which travel inland as they build up in higher and higher heights.
• Fire
  Fire, external explosion, self-ignition, lightning.
• Theft
  Theft, attempted theft or taking Your Bike without Your consent and/or by deceit to be added as definition for Theft
• Riot, Strikes, Lock-Outs, Civil Commotion
  Any act committed in the course of a disturbance of the Public peace by any person taking part together with others in such disturbance or any action taken by any lawfully constituted Authority for the purpose of suppressing or minimizing the consequences of such act. Strikes, Lock-outs. Any willful act of any striker or locked out worker done in furtherance of a strike or in resistance to a lock-out or any action taken by any lawfully constituted Authority for the purpose of suppressing or minimizing the consequences of such act.