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 insured property.
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.
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, spa and their
covers and liners, septic tank or other inground structure unless caused by
the insured events of earthquake or impact,
The actions of trees, plants or their roots.
Scratching, chewing, tearing or soiling by animals and birds kept in your building or at the site,.
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 lot or unit, 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 by any person who enters the site or your landlord building with your consent; this includes your tenant unless you have covered your insured property under AAMI Landlord Insurance with
Tenant Protection. See this page.
War, warlike activities or revolution including any looting or pillaging.
Asbestos, asbestos fibres, or derivatives of asbestos in any form.
but when your landlord building is insured under this policy,
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.