Section I (Material Damage)
The Insurer will indemnify the Insured against any unforeseen and sudden physical loss or damage to the interest insured from any cause, other than those specifically excluded from the policy.

Section II (External Data Media)
The Insurer will indemnify the Insured if the external data media entered in the Schedule inclusive of information stored thereon shall suffer any material damage covered by Section I, the cost of restoring the Insured external data media by replacing lost or damaged data media by new material and reproducing lost information.
Subject to special exclusions to Section II.

Section III (Increased Cost of Working)
The Insurer will indemnify the Insured for any additional expenditure incurred for the use of substitute EDP equipment not covered under this policy up to an amount not exceeding the agreed sum insured entered in the Schedule provided cause of damage/lost is indemnifiable by Section I of the policy.