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4. RISKS EXCLUDED FROM ALL GUARANTEES
Any losses, damages and liabilities directly or indirectly caused by the following are not covered by this policy and shall lead to the exclusion of the application of all the covers set forth herein:
a. Bad faith on the part of the insured or individuals for whom he is legally liable, which arise from the deliberate perpetration of an offence or from the voluntary infringement or breach of the legal provisions governing the business activities of the insured business.
b. Losses that occur outside the location stipulated in the schedule as the premises of the insured business, notwithstanding that set forth in some specific covers.
c. Losses caused by the mechanical, thermal or radioactive effects of transmissions or nuclear reactions, regardless of their cause, and any losses in value or the ability to take advantage of goods as a result of the aforementioned effects, as well as any expenses arising from the decontamination, search or recovery of radioactive isotopes, of any kind and application, as a result of a loss.
d. Civil or international war, even when they have not officially been declared, popular or military uprisings, insurrections, rebellions, revolutions and military operations of any kind.
e. The confiscation, nationalisation or seizure by or under the orders of any government, legally or in fact, or any local or public authority.
f. Any events or phenomenon covered by the Insurance Compensation Consortium, even when this body does not accept the insured's right due to breach of any of the rules set forth in the regulations and legal provisions in force on the date of the occurrence and any damages sustained by the insured property that are classified as a catastrophe or national disaster by the Spanish government.
Under no circumstances shall the insurer advance any sum as an indemnity for any loss covered by the Insurance Compensation Consortium. The differences between the cost of any damages sustained and the amounts indemnified by the Insurance Compensation Consortium arising from the application of deductibles, deductions or conditions of average and / or other limitations are not covered.
g. Corrosion, pollution and / or contamination when they occur as a result of a loss sustained outside the insured property, unless the damage is caused by smoke as a result of a fire.
h. The use of wear and tear of the insured property and the normal or gradual deterioration thereof due to atmospheric or climatic conditions, rusting, erosion, corrosion, fermentation and humidity.
i. Damage caused by moths, worms, termites or any other kind of insect or rodent.
j. Abnormal settlement movements, contraction or expansion, unless it occurs as a result of a fire, explosion, implosion or lightning.
k. The falling, collapse or cracking of buildings, unless it occurs as a result of a cause covered by the insurance policy.
l. Indirect losses of any kind sustained as a result of a loss, unless they are covered by that set forth in cover B.5. Consequential losses.
m. Any damages sustained by goods or caused by risks that should be covered by compulsory insurance at the time of the loss.
n. Fines and sanctions imposed on the insured, as well as any pecuniary surcharges on the benefits established in current legislation.
o. Any liability derived from the existence, exploitation, manipulation, transformation, manufacture, sale, distribution, storage or use of pure asbestos, asbestos products and / or products containing asbestos.