The following are Exclusions under the Plan and are not covered by the Plan: (a) Damage for which you are covered under the Australian Consumer Law, any other warranty or service plan; (b) Replacement of lost stones, or any other part of the product, unless the loss was caused by a defect in manufacture or materials which was not caused or contributed to by your act, negligence or default; (c) Accidental or deliberate damage caused by abuse, misuse, foreign objects, tampering with prongs, failure to follow instructions relating to the product, the elements, fire, collision, vandalism or theft involving the purchaser or a third party; (d) Unauthorised modifications, alterations, repairs and/or parts; (e) Services costing more than the purchase price of the covered item; (f) Services to any item other than the covered item or accessories used in conjunction with a covered product. (g) Cosmetic damage (including dents) that does not impede the mechanical functionality of the item; (h) Flaws in diamonds and gemstones; (i) Rhodium plating of Yellow Gold items; (j) Incidental or consequential damages, loss of use while requested services are provided or any loss other than as expressly covered by the Plan; (k) Damage caused by war, invasion or act of foreign enemy, hostilities, civil war, rebellion, riot, strike, labour disturbance,lockout, civil commotion, Acts of God.