Standard Exclusions:

– Riots, wars, political acts, terrorism or related acts

– Things that happen for which the damage is covered by law

– Nuclear related

– Nationalisation, confiscation, commandeering or requisition by any lawfully constituted authority

– Stoppage or slowing down of work, process or operation

– Illness or injury as a result of the influence of alcohol / drugs

– Any loss arising from any contractual liability

– Consequential loss or damage except as we specifically insure

– Any condition, sickness, disease, pregnancy or injury following or associated with an event not covered by this policy such as, but not limited to, participation in a hazardous sport or any sport where a fee or benefit in kind received, either directly or indirectly for playing or training or in the work place

– Any claim which, in the opinion of Resolution Underwriters, is associated with any illness or injury for which a claim has previously been paid out under this policy

– Any Pre-existing conditions that have been specifically excluded

– Deliberate self-injury or attempted suicide

– Treatment for obesity or infertility

– AIDS, HIV or any related illness

– Regular or routine medical treatment and advice

– In respect of the Disability Benefits arising directly or indirectly from or traceable to the Insured being affected (temporarily or otherwise) by alcohol or drugs other than prescribed by a medical practitioner

– If your claim is tainted by any breach of criminal law by you