What's Excluded From Our Policy

Consequential loss

Any costs beyond the cost of replacing damaged property or repairing the damage to property, for example any loss in value which may occur as a result of insured loss or damage.

Defects

Any loss or damage caused by or from poor workmanship, poor design or faulty materials.

Deliberate loss or damage

Any loss, damage caused, or allowed to be caused, deliberately or wilfully by you or any of your family, a paying guest, a tenant or person visiting your property with your permission.

Employment, trade or business profession

Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by, resulting from or in connection with you or any of your family’s employment, trade or business profession (other than employment disputes under legal expenses cover or as an employer of a domestic employee for the purposes of paragraph 17b of contents cover).

Failure of computers or electrical equipment

Any loss or damage directly or indirectly caused by:

• any computer or other electrical equipment or component failing to correctly recognise any date as its true calendar date; or
• computer viruses.

Loss of money

Loss of money caused by confiscation, loss of value or loss due to incorrect receipts, payment or accountancy.

Misuse of alcohol or drugs

Any loss, damage or liability caused directly or indirectly by the misuse of alcohol or you or any of your family being under the influence of alcohol or drugs (except those prescribed by your or their registered medical practitioner, but not when prescribed for the treatment of drug addiction).

Non-approved costs

Any costs incurred without our written permission.

Pollution or contamination

Any claim or expense of any kind resulting directly or indirectly from pollution or contamination which was:

• a result of an intentional act; or

• expected or should have been expected; or

• not sudden; or

• not during any insurance period; or

• from industrial business.

Prior loss, damage or liability

Any loss, damage or liability that occurred before your cover began.

Radioactive contamination

Any loss or damage caused directly or indirectly by:

• ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel; or
• the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.

Sonic bangs

Any loss or damage by pressure waves caused by aircraft or other flying objects moving at or above the speed of sound.

Terrorism

Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by, resulting from or in connection with any act of terrorism.

For the purpose of this exclusion, ‘terrorism’ means the use, or threat of use, of biological, chemical and/or nuclear force or contamination by any person(s), whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government(s) or put any section of the public in fear.

Uninsurable risks

Any loss or damage caused by:

• wear and tear; or
• decay; or
• demise; or
• depreciation; or
• wet rot or dry rot, unless this was caused directly by any other cover insured by this policy; or
• fungus, woodworm, beetle, moth, insects or vermin; or
• mechanical or electrical fault or breakdown; or
• any process of cleaning, dyeing, renovating, altering, re-styling, repair or restoring; or
• anything which occurs gradually, or deteriorates over a period of time or has reached the end of its useful life; or
• detention or confiscation by HM Revenue & Customs or any official body; or
• river or coastal erosion; or
• any demolition, alteration or repair to your buildings; or
• the actions of chemicals on, or the reaction of chemicals with, any materials which form part of the buildings.

War risks

Any loss or damage caused by any sort of war, invasion or revolution.

Your claims costs

Your costs of preparing, proving, agreeing or negotiating your claim.