Liberty Protect - Device Insurance

What is insured ? 
The Master Policy covers loss or damaged (90% of the cost)  for one year caused by:1. Accidental damage to the item insured  - including liquid damages 2. Theft of the item;3. Malicious damage;4. Non-political Riot, strikes and civil commotion.
What is not insured ?1. War and related perils;2. political riots, terrorism and related perils;3. Consequential losses/loss of use of any kind;4. Damage/breakage of glass for mobile phones;5. Wear, tear and depreciation;6. Loss or damage caused by nuclear materials;7. The first 10% of the claim Amount being lodged;8. Any third-party liability arising out of the use of the equipment;9. Confiscation, nationalization or acquisition by government or other lawful authority10. Loss or damage by theft or attempted theft after the dwelling house has remained vacant formore than 30 consecutive days.11. Loss/Damage to software or any data.12. Power surge;13. Theft by any member of the Insured’s household or his employee being involved directly orindirectly as principal or accomplice or with the connivance of the Insured.