An exclusion removes or restricts part of the cover that might otherwise appear to fall within an insuring clause. It can concern a cause of loss, activity, person, location, condition or type of damage.
The distinction that matters
An endorsement can amend a standard exclusion, while a definition can affect whether it applies in the first place. Read the schedule, endorsements and wording together rather than a single sentence in isolation.
What to check
- The exact excluded event or activity.
- Definitions used in the exclusion.
- Exceptions that restore part of cover.
- Endorsements changing the standard wording.
Example to discuss
Ask how the exclusion applies to the activity described in your proposal, and request a written explanation of any accepted exception.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.