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• Exclusion - PEC does not cover loss or damage due to theft, if not reported to the police or the competent authority. Any loss or damage, directly or indirectly, as a result of war, declared or undeclared, or any act them. The loss or damage caused by moles, bedbugs, deterioration, gradual deterioration, mechanical or electrical failure or defect inherent. Property, while the care, custody or control of any common carrier.