The Company shall not indemnify the insured unless otherwise specifically agreed against.
1. Loss or damage caused by any lack of skill carelessness in the case where the subject-matter of insurance in under repair cleaning or other similar work provided however that this shall not apply in the case when fire (excluding scorching loss or damage) has happened in consequence of the aforesaid process.
2. Loss or damage caused by electrical short-circuit or spark discharge overcharged electric current any other electric phenomenon or machinery break-down provided however this shall not apply in the case where the fire (excluding scorching loss or damage) has happened through the aforesaid incidents or where these incidents have happen consequence of the fortuitous and external incidents.
3. Loss or damage to the subject-matter of insurance caused by fraud or seizure.
4. Loss or damage to the subject-matter of insurance caused by forgetting or disappearance.