Loss or damage by fire to the electrical appliances or installations insured under this policy arising from or occasioned by overrunning, excessive under pressure, short circuiting, arcing, self heating or leakage of electricity, from whatever clause, (lightning included), is covered subject to the terms and conditions of this policy or loss or damage to any electrical machine, apparatus, fixtures or fitting, or to any portion of electrical installation, unless the cause is fir or lightning. 


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