All Risks Insurance covers valuables such as jewellery, mobile phones, cameras etc., against most unforeseen physical loss or damage. Common exclusions include wear & tear, willful damage, loss when unattended or from an unattended vehicle, gross negligence, radioactive contamination, nuclear exclusion, damage to software, etc. The policy could be extended to cover worldwide geographical limits, Riot & Strike and, if required, Terrorism (limited to Sri Lanka). All policy coverages are subject to certain exclusions, and depend on the type of policy and insurance provider.