Wear and tear exclusions address deterioration through ordinary use or ageing under the policy’s wording.
The distinction that matters
The treatment of a worn component and resulting accidental damage may differ; neither outcome should be assumed without reading the clauses.
What to check
- Identify the failed item and cause.
- Check resulting-damage provisions.
- Keep maintenance and repair records.
Example to discuss
A building owner separates the cost of replacing a deteriorated pipe from the assessment of water damage it caused.
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.