War and Terrorism Exclusion

This exclusion means insurance will not respond to damage, injury, or interruption arising from war, invasion, rebellion, or terrorism. Such large-scale events are considered uninsurable by ordinary commercial policies. For example, if a building is damaged in a terrorist explosion, the claim falls outside standard cover. Linked term: see Sanctions Limitation and Exclusion for related restrictions. Why it matters: It clarifies that catastrophic geopolitical risks require separate government or specialist insurance schemes.

This exclusion means insurance will not respond to damage, injury, or interruption arising from war, invasion, rebellion, or terrorism. Such large-scale events are considered uninsurable by ordinary commercial policies. For example, if a building is damaged in a terrorist explosion, the claim falls outside standard cover. Linked term: see Sanctions Limitation and Exclusion for related restrictions. Why it matters: It clarifies that catastrophic geopolitical risks require separate government or specialist insurance schemes.