General Exceptions: Travel insurance

General Exceptions

These apply to all sections of the policy unless stipulated otherwise.

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 war-like 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. 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.

3. 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.

4. Sonic bangs

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

5. 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 Home.

6. Wilful act or negligence

Any loss, damage or liability caused by Your wilful act or negligence.

7. Unattended

Any loss where You do not watch over or not in full view of or in a position to prevent unauthorized taking of Your property  unless it is in a locked compartment, safe or in a locked boot/trunk of  a locked vehicle.

8. Pre-existing Medical Condition

Any loss, damage or liability directly or indirectly arising as a result from any Pre-existing Medical Condition.

9. Manual Work

Any loss, damage or liability directly or indirectly arising as a result of Your involvement in Manual Work.

10. Restricted countries

Any loss, injury, damage or legal liability arising directly or indirectly from travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria.

11. 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.

12. Alcohol and drugs

Any loss, injury or damage due to the influence of alcohol or non-prescription drugs or medications.

13. Insanity 

Any loss, injury or damage due to mental problem or insanity.

14. Suicide

Suicide or attempted suicide or intentional self-inflicted injury, while sane or insane.

15. Dangerous Sports and Leisure activities

We will not cover You while You are taking part in any sport or leisure activities with a high inherent level of risk (i.e. involve a high level of expertise, exceptional physical exertion, highly specialised gear or stunts) or any sport or leisure activity done in a manner, location or terrain that is far from what reasonable people consider to be normal. Such a sport or activity is likely to injure or harm the person doing it.  This includes but not limited to:

I. You travelling in air (except while travelling as a fare-paying passenger in a properly licensed, regularly scheduled commercial airline or helicopter for sight-seeing by a licensed operator);

II. You taking part in any other aerial activities (except hot air ballooning)  including  bungee jumping, parachuting, free flying, zip lining and flying fox;

III. Any leisure or sports activities either as a professional or where You would or could earn or receive remuneration, donation, sponsorship or financial rewards of any kind;

IV. Any leisure or sports activities where You are competing in or practicing for speed or time trials, sprint or racing of any kind;

V. Big wave surfing, B.A.S.E jumping, cliff jumping, canyoning,  horse jumping, polo, marathons, biathlons, triathlon, racing or motor rallies/cross, stunt riding, potholing, cave diving and private hunting trip;

VI. Outdoor rock climbing, abseiling, coasteering and mountain biking;

VII. Trekking (including mountain trekking) above 3000 metres;

VIII. Canoeing, kayaking and rafting (above Grade 2). 

16. Winter sports and extreme water sports activities

We will not cover You while You are taking part in winter sports activities listed in Table 32 and extreme water sports activities listed in Table 33, unless otherwise stated on Your policy Schedule.

17. Expedition

You taking part in expeditions or being a crew member on a vessel travelling from one country to another.

Travel insurance

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