The policy covers all electronic equipments such as computers and data processing machines, telecommunications equipment, material testing and research equipments and the like against sudden and unforeseen physical damage including breakdown due to any peril other than those specifically excluded. Thus the policy covers short-circuiting and electrical fault, falling objects, entry of foreign objects etc. Normal wear and tear, corrosion, War and terrorism, failure due to interruption in power, gas or water supply and consequential losses are some of the exclusions.

For an additional premium, this policy can be extended to cover external data media and also the cost of reconstruction of the data lost due to a peril covered under the Policy. This Policy usually carries an Excess/ Deductible as agreed.

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