What's not included in the insurance?

 

All insurance policies have standard clauses that exclude damage or loss to your property caused by war, terrorism or invasion. It is reasonably safe to assume that you may not be confronted by such events but there are other exclusions that you may want to watch out for.

Most standard home insurance policies will provide cover against any unforeseen events such as fire and theft. However, you must read your policy documents carefully so that you know exactly what exclusions apply to your property.

Common exclusions for buildings insurance include:

• Damage as a result of general wear and tear on your property or contents
• Failure to inform your insurer of any changes that may affect your policy
• Leaving the property empty for a long period
• If your home is in an area which suffers from severe flooding or subsistence
• Any damage or loss that occurs before cover commences
• Deliberate acts caused by you, your family or any other person lawfully in your home

Common exclusions for home contents insurance include:

• Damage caused to your possessions because your house has not been kept in a good state of repair
• Costs of routine wear and tear
• Damage caused by pets
• Belongings outside the home unless you select an "All Risks" policy

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