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 building,
wear and tear, rust, deterioration or corrosion,
mechanical, structural, electrical, electronic or other failure or breakdown, other than as provided for under 'Damage to electric motors' on this page
mould, wet or dry rot, rising damp or dampness,
flood,
storm surge, being an increase in sea level that usually occurs with a severe storm or cyclone,
tidal wave, tsunami, high tide or other actions of the sea,
erosion or washing away of soil, earth or gravel,
the washing away or movement of the surface of any path or driveway which has a surface consisting of a loose material such as gravel, stone or dirt,
soil movement or settlement,
subsidence or landslide unless caused by the insured event of earthquake,
the moving, shifting or dislodging of any swimming pool or spa and their covers and liners, or any septic tank or other inground structure unless caused by the insured events of earthquake or impact,
the actions of trees, plants or their roots,
actions of insects (including termites) or vermin,
scratching, chewing, tearing or soiling by animals and birds kept in your building or at the site.
the lawful taking or repossession of or from your building or site, for example, a bank taking possession as a result of a mortgage default,
fraud or fraudulent means or devices used by you or anyone acting on your behalf to obtain benefit under this policy,
deliberate or intentional acts committed by you or someone acting on your behalf or any person living with you,
war, warlike activities or revolution including any looting or pillaging,
asbestos, asbestos fibres, or derivatives of asbestos in any form,
but we will pay for the costs of removing and disposing of asbestos from the building or site where it is directly necessary as a result of damage or loss caused by an insured event.
You are not covered under any section of the policy for damage, loss, 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.