What we do not cover – general exclusions
You are not covered under any section of the policy for damage, loss, cost or liability caused by or arising from or involving:
an unreasonable failure to properly maintain or repair your home or contents,
wear and tear, rust, deterioration or corrosion,
deliberate or intentional acts committed by you or someone acting on your behalf,
the lawful taking or repossession of your contents, for example, repossession of your contents by a finance company,
war, warlike activities or revolution including any looting or pillaging,
bestos, asbestos fibres, or derivatives of asbestos in any form.
You are not covered under any section of the policy for loss, damage, cost or liability:
directly or indirectly caused by, arising from, or connected with the use, misuse or existence of nuclear weapons; or the use, misuse, escape or existence
of nuclear fuel, waste or nuclear materials or ionising radiation or contamination from such fuels, waste or materials; or combustion, detonation, fission and/or fusion of nuclear fuel or nuclear materials,
directly or indirectly caused by, arising from, or connected with actual or threatened chemical or biological pollution or contamination; or action taken by a public authority or any body authorised by a public
authority to prevent, limit or remedy such actual or threatened release, pollution or contamination.
Precautions that you need to take
You must at all times, and at your expense, take all reasonable precautions:
for the safety and protection of your contents, your home and the site,
prevent bodily injury or damage to property,
to prevent damage to your contents,
to ensure compliance with all statutory obligations, by-laws or regulations imposed by any public authority,
relating to the safety of persons or property.
If you do not, we may reduce or refuse to pay any claim you may make.