Home Insurance

General Exceptions

These apply to all sections of the policy.

This policy does not cover:

  1. War

    Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event:

    • War, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, military rising, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
  2. Terrorism

    Any consequence whatsoever which is directly or indirectly caused by nuclear and/or chemical and/ or biological and/or radiological means, or anything connected with those means, and which is the direct or indirect result of Terrorism, or anything connected with Terrorism, whether or not such consequence has been contributed to by any other cause or event.

    Terrorism is defined as any act or acts including, but not limited to:

    • The use or threat of force and/or violence.
    • Harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, harm or damage by nuclear and/or chemical and/ or biological and/or radiological means caused or occasioned by any person(s) or group(s) of persons in whole or in part for political, religious, ideological or similar purposes including, but not limited to, the intention to influence any government and/or to put the public or any section of the public in fear, or is claimed to be caused or occasioned in whole or in part for such purposes.
  3. Other actions

    Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event:

    • Any action taken in controlling, preventing, suppressing or in any way relating to (1) War or (2) Terrorism above.
  4. Radioactivity

    Loss, damage or liability which involves:

    • Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste; or
    • The radioactive, toxic, explosive or other dangerous properties of explosive nuclear equipment.
  5. Sonic bangs

    Loss of or damage to property caused by pressure waves from aircraft travelling at or above the speed of sound.

  6. Pollution or Contamination

    Loss, damage or liability arising from pollution or contamination unless caused by:

    • A sudden and unexpected accident which can be identified; or
    • Oil leaking from a domestic oil installation at the Home.
  7. Wilful act or negligence

    Any loss or damage caused by your wilful act or negligence.

  8. Sanction limitation and exclusion clause

    We shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or United Kingdom or United States of America.

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