Home insurance - general exclusions

These general exclusions apply to all household insurance policies unless otherwise indicated:

• The first £100 of each incident except:
  • Subsidence claims, on which the first £1,000 is excluded.
  • Legal liability claims.
  • Where you have agreed to take on an additional voluntary excess in addition to the standard £100 policy excess.
• Loss or damage to gates, hedges or fences by storms.
• Where your home is unoccupied for more than 60 consecutive days:
  • loss or damage by theft, escape of water or oil, or malicious acts or vandalism.
  • accidental breakage of fixed glass and sanitary fixtures.
  • damage caused by freezing of water in fixed water or heating systems or water or oil escaping from washing machines, dishwashers, fixed water or fixed heating systems. 
• Radioactive contamination.
• War risks.
• Sonic bangs.
• Pollution or contamination.
• Riot.
• Date change and computer viruses.
• Existing and deliberate damage.
• Terrorism.
• Wear and tear, depreciation and normal deterioration.
• Defective construction or design.

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