Section 91(5) in The Indian Post Office Rules, 1933
(5)No compensation shall be payable under sub-rule (1) to (3)-(a)where the loss or damage has been caused by the fault or negligence of the sender, or arises from the nature of the article;(b)where the insurance has fraudulently made for a sum above the real value of the contends, or there has been any other fraud on the part of the sender or the addressee;(c)where the insured article has been delivered to the addressee, or where the article is returned to the sender and the addressee or sender, as the case may be, has signed and returned the receipt therefor without protest, or in the case of an insured letter, without immediately making a complaint of abstraction of or damage to the contents of the letter to the administration of the office which delivered the article and proving that the abstraction or damage took place before the delivery of the letter;(d)where the sender has not given intimation of the loss, abstraction or damage within one year following the day of posting;(e)where the loss, abstraction or damage was due to improper or insecure packing;(f)where there is no visible damage to the cover or seals;(g)in cases beyond control (e.g, tempest, shipwreck, earthquake, war, etc.);(h)where the insured article cannot be traced in consequence of the destruction ofthe documents relating to it from causes beyond control unless proof of liability of the post office to pay compensation in respect of the article has been furnished otherwise;(i)where the insured article contained anything the transmission of which by the letter or the parcel post, as the case may be, is prohibited, provided that compensation shall not be inadmissible by reason only of the fact that an insured parcel contained any correspondence;(j)where the insured article is seized under any law for the time being in force in the country of destination.
