The policy covers all electronic equipment’s such as computers and data processing machines, telecommunications equipment, material testing and research equipment’s 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.