2. Excluded risks
a. Those that do not give rise to indemnity according to the Insurance Contracts Act.
b. Damage and losses caused to people insured by insurance agreements other than those that include the obligatory surcharge in favour of the Insurance Compensation Consortium.
c. Those caused by armed conflicts, even when not preceded by an official declaration of war.
d. Those derived from nuclear energy, notwithstanding that set forth in the Nuclear Energy Act 25/1964 of April.
e. Those caused by natural phenomena other than those set forth in Article 1 of the Regulations on extraordinary risk insurance, and in particular those caused by a rise in the water table, hillside movements, landslides or settlement movements, falling rocks and any other similar phenomena, unless these are evidently caused by the action of rain water that simultaneously caused extraordinary flood in the area.
f. Those caused by the actions of people arising over the course of meetings and demonstrations held in accordance with the provisions of Organic Law 9/1983 of 15 July, which regulates the right to assembly, as well as during legal strikes, except when said actions may be considered extraordinary events pursuant to the terms of Article 1 of the Regulation for Insurance Against Extraordinary Risks.
g. Those caused by bad faith on the part of the insured.
h. Those occurring prior to payment of the first premium or when, in accordance with that set forth in the Insurance Contracts Act, the cover provided by the Insurance Compensation Consortium has been suspended or the insurance has been terminated due to non-payment of premiums.
i. Losses that, due to their magnitude and seriousness, are qualified by the National Government as a "national catastrophe or disaster".
Procedure for actions in the event of a claim covered by the "Insurance Compensation Consortium"