ADH 15.04a 25 7. Terrorism Any loss, damage, liability, cost or expenses of whatsoever nature directly or ind irectly caused or caused by or happening through or in connection with any act of terrorism. For the purpose of this exclusion ‘terrorism’ means the use of biological, chemical and/or nuclear, chemical and/or nuclear force or contamination and/or threat thereof by any person or group of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes, including the intention to influence any government and/or to put the public in fear. However, losses caused by or resulting from riot, riot attending a strike, civil commotion and malicious damage are not excluded hereunder. 8. Pollution/contamination Loss, damage, liability or bodily injury arising direc tly or indirectly from pollution or contamination unless caused by: a) a sudden and unforeseen and identifiable incident; b) leakage of oil from a domestic oil installation at your home . 9. Gradual deterioration/maintenance Any loss or damage caused by wear and tear, depreciation, the effects of light or the atmosphere, mould, dry or wet rot or fungus and costs that arise from the normal use, maintenance and upkeep of your buildings and its contents . 1 0. Liability Insurance Any liability which is covered under a more specific p olicy. This exclusion applies to Liability to domestic staff, tenant’s liability, public liability and property owner’s liability covers.