Etiqa — Singapore cyber exclusions

Verbatim exclusion clauses extracted from the ingested Etiqa policy wordings. Every clause below is quoted verbatim from the source PDF. The authoritative reference is the policy wording itself, not this list.

Etiqa Tiq Personal Cyber

Wording effective from 2025-01-01.

3.1 Abnormal Conditions/State of Emergency: any loss based upon, arising from or as consequence of any abnormal conditions or state of emergency as declared by the local authorities (whether physical or otherwise) except to the extent that you shall prove that such loss happened independently of such abnormal conditions or state of emergency as declared by the local authorities.
3.2 Bodily Injury: any loss based upon, arising from or as a consequence of any physical injury, sickness, disease, disability, shock, mental anguish, or mental injury, including required care, loss of services or death at any time resulting therefrom.
3.3 Business Activities: any loss based upon, arising from or as a consequence of any activities carried out by you for trade, business or professional purposes, including any loss connected to an account with a financial institution that is used for trade, business or professional purposes.
3.4 Confidence Scams: any loss based upon, arising from or as consequence of a confidence trick involving feigned intentions towards you, such as romantic intentions, investments, contracts, loans and the like, gaining your confidence or affections, and then using that goodwill to commit fraud.
3.5 Currency: any loss involving unregulated digital currency of any kind, unregulated virtual currency of any kind or unregulated cryptocurrency of any kind. Provided however this Exclusion does not apply to: (a) extortion payment under Insuring Agreement 2.2 (Cyber Extortion); or (b) restoration costs under Insuring Agreement 2.3 arising from cryptojacking.
3.6 Dishonest Acts: any loss based upon, arising from or as a consequence of any dishonest, criminal, malicious or fraudulent acts if you willingly participated in or directed such acts.
3.7 Indirect or Consequential Loss: any indirect or consequential loss of any nature, except as expressly provided for in this policy.
3.8 Infrastructure Failure: any loss based upon, arising from or as consequence of any outage in or disruption of electrical power or telecommunications services operated by a third party service provider.
3.9 Lost or Stolen Plastic Cards: any loss based upon, arising from or as consequence of lost or stolen plastic cards.
3.10 Nuclear Risks: loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss; or legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
3.11 Prior Matters: any loss based upon, arising from or as a consequence of any fact, circumstance, act, threat or event which you were aware of prior to the inception date of this policy.
3.12 Property Damage: any physical loss or damage to tangible property, other than restoration costs.
3.13 Terrorism: any loss based upon, arising from or as a consequence of: (a) any act of terrorism, notwithstanding any provision to the contrary within this policy or any endorsement thereto; or (b) any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.
3.14 War, Invasion and Civil Commotion: any loss based upon, arising out of or a consequence of: (a) war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war; or (b) civil commotion assuming the proportions of or amounting to a popular uprising, military rising, mutiny, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state or any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the government de jure or de facto or to the influencing of it by terrorism or violence.
3.15 Wear and Tear: any loss based upon, arising from or as a consequence of any ordinary wear and tear, drop in performance, progressive or gradual deterioration.
Loss does not include any taxes, the loss of tax benefits, or fines and penalties imposed by law.
5.11 Sanctions: We shall not be deemed to provide cover nor shall we be liable to pay any claim or provide any benefit under this policy to the extent that the provision of such cover, payment of such claim would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Singapore, European Union, United States of America, United Kingdom and/or any other applicable national economic or trade sanction law or regulations.

Source PDF: file:///Users/rob/Pangaea/cyberinsurance.com.sg/wordings/etiqa-cyber/personal-cyber-2025.pdf

Etiqa SME Cyber

Wording effective from 2021-01-01.

any actual or alleged breach of any competition or antitrust laws, restraint of trade, false, deceptive or unfair trade practices.
any actual or alleged bodily injury, sickness, emotional distress, mental anguish or death of any person howsoever caused.
any liability assumed or accepted by the insured under the terms and conditions or warranties of any contract or agreement. However, this Exclusion shall not apply to the extent that such liability would have existed in the absence of such contract or agreement.
any claim made, occurring, pending within, or to enforce a judgment obtained in the United States of America, Canada or any of their territories or possessions.
any personal liability incurred by a director, officer, partner or trustee of the company whilst acting in that capacity or managing the company's business.
any (a) criminal, deliberate, fraudulent, dishonest, unlawful or malicious act or omission committed or condoned by any insured; (b) willful violation of any duty, obligation, law or regulation committed or condoned by any insured; (c) willful violation of the company's privacy policy committed by or condoned by any insured; or (d) actual or attempted gain of profit, remuneration, advantage by an insured to which such insured was not legally entitled to.
the incomplete disclosure of the company's fees or any disputes involving the company's fees or charges.
any employment practices or discrimination against or harassment of any person on any basis, including but not limited to: race, creed, color, religion, ethnic background, national origin, age, handicap, disability, gender, marital status, sexual orientation or pregnancy. However, this Exclusion shall not apply not apply to any claim by an employee for a privacy breach relating to the unauthorized disclosure of such employee's personal information.
any action, requirement or restriction of a public or governmental authority, including the seizure, confiscation, nationalization, expropriation, destruction or loss of use of the company's computer systems or digital assets and any delay caused by the requirements and restrictions imposed by such authority. However, this Exclusion shall not apply to: (a) cyber attacks committed by any such authority against the company's computer systems or digital assets; or (b) the shutdown the company's computer system which is ordered by a civil authority in response to a cyber attack.
any insured, or any other person or entity, including a service provider's bankruptcy, liquidation or insolvency.
any mechanical or electrical failure, or outage in, or disruption of power, utilities services, satellites, internet or telecommunications services not under the company's direct operational control.
any loss of goodwill and reputational harm.
(a) any loss, transfer or theft of monies, securities or tangible property of others in the care, custody or control of the insured; or (b) any trading losses, trading liabilities or personal debt of the insured.
fire, smoke, explosion, lightning, wind, flood, earthquake, volcanic eruption, storm, subsidence, tidal wave, landslide, hail, subterranean fire or act of god or any other physical event, however caused.
(a) loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss; or (b) legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from: (i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or (ii) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
any actual or alleged infringement, violation or misappropriation of any patent or trade secret. However, this Exclusion shall not apply to the extent any claim alleges an inadvertent disclosure of a trade secret that constitutes a privacy breach.
(a) the actual, alleged or threatened discharge, disposal, migration, dispersal, release or escape of pollutants, or (b) any direction, order or request to test for, monitor, remediate, clean up, remove, contain, treat, detoxify, or neutralize pollutants, or to pay for or contribute to the costs of undertaking such actions.
(a) any fact, circumstance, act, error, omission, threat, event or breach committed or existing prior to the inception date of this Policy, that on or before the inception date the insured was aware of or could reasonably have foreseen such fact, circumstance, act, error, omission, threat, event or breach may be the basis of any loss under the Insuring Clauses, wrongful act or cyber event, regardless of whether the insured had disclosed in the proposal or notified under another insurance or not; or (b) any claim made, threatened or intimated against any insured prior to the inception date of this Policy; or (c) any litigation or other proceedings commenced against any insured or any order, decree or judgement entered against any insured prior to the inception date of this Policy, or alleging or arising out of or in any way involving any of the same or substantially the same facts, circumstances or situations underlying or alleged in such prior litigation, proceeding, order, decree or judgement.
any actual or alleged damage to, destruction of, impairment or loss of use of any tangible property including hardware or any replacement or repair of any tangible property including hardware.
any claim brought by, on behalf of or at the behest of any insured or any related entity. However, this Exclusion does not apply to any claim brought by an insured person in his or her capacity as: (a) as the company's customer or client; or (b) an employee for a privacy breach relating to the unauthorized access, disclosure, use of or loss of such employee's personal information.
(a) any act, error, omission, incident or event committed or occurred prior to the retroactive date stated in the Policy Schedule; or (b) any related or continuing acts, errors, omissions, incidents or events where the first such act, error, omission, incident or event was committed or occurred prior to the retroactive date stated in the Policy Schedule.
any cost and expenses incurred to identify, patch or remediate software program errors or vulnerabilities except following a covered loss.
any actual or alleged: (a) illegal, unauthorized or wrongful collection, acquisition or retention of personal information or client information by any means, including the use of cookies or malware; or (b) failure to provide adequate notice of the collection or use of personal information or client information. However, this Exclusion shall not apply: (i) if such collection is done by an employee of the company without the knowledge or consent of any of the company's directors and officers; or (ii) if such collection is done by a third party without the knowledge of the company.
(a) any distribution of unsolicited emails, text messages, facsimiles, direct mail or other communications to multiple actual or prospective customers, including actual or alleged violation of any anti-spam statute; or (b) any wire tapping, audio or video recordings or unlawful telephone marketing by the insured or any other third party on the insured's behalf. However, this Exclusion does not apply if such unsolicited electronic dissemination of faxes, electronic mail or other communications to multiple actual or prospective customers by the insured or any other third party was caused by a malware or hacker.
war, invasion, acts of foreign enemies, terrorism, hostilities or warlike operations (whether war be declared or not), civil war, strike, riot, lock-out rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to an uprising, military or usurped power; Terrorism is not deemed to include cyber terrorism.
any ordinary wear and tear, drop in performance, progressive or gradual deterioration of the company's computer systems or digital assets.

Source PDF: file:///Users/rob/Pangaea/cyberinsurance.com.sg/wordings/etiqa-cyber/sme-cyber-2021.pdf