GENERAL EXCLUSIONS

	Anything mentioned in the General Conditions, General Exclusions and Special Conditions set out in the Policy wording.
	Any specific exclusion or limitation shown on your policy schedule.
	The standard deductible and any increased amount you have agreed to pay will be shown on your policy schedule.
	Loss or damage due to wear and tear, gradual deterioration and consequential loss.
	Liability arising from business purposes. Cover may be in place where cover is extended under Part B - Contents. Please refer to your policy wording for full details
	Radioactive contamination, war risks, terrorism, sonic bangs, gradual deterioration, and date change
	Watercraft (e.g. windsurfers and sailboards) and mechanically propelled vehicles (e.g. quad bikes and motorcycles) and any liability arising from them.
	Accidental damage occurring in any part of the home that is commercially let other than to your relatives or other personal friends.
	Certain loss or damage occurring after the insured property has been unoccupied (see full definitions within the policy wording) for 60 consecutive days or more

EXCLUSIONS UNDER PART A - BUILDINGS COVER

	Loss of or damage to fences gates and hedges or trees from flood or storm.
	Escape of water from a fixed water apparatus when the insured property is unoccupied (see full definitions within the policy wording) for 60 days or more unless either: A) The buildings are kept heated to a temperature of at least 10?C or B) The water is shut off and the fixed water tanks, apparatus and pipes are drained.
	Escape of oil, accidental damage, vandalism, theft and accidental damage to cables, utilities, drains, tanks and pipes when the insured property is unoccupied.

EXCLUSIONS UNDER PART B - CONTENTS COVER:

To property left in an unattended vehicle unless all items are hidden from view, all windows are closed and all doors and the boot are locked.

EXCLUSIONS UNDER PART C - FINE ART, GOLD, SILVER, GOLD AND SILVER PLATE AND ANTIQUES:

	Chewing, scratching, tearing or fouling by any animals.
	To property left in an unattended vehicle unless all items are hidden from view, all windows are closed and all doors and the boot are locked

EXCLUSIONS UNDER PART D - PERSONAL POSSESSIONS:

	Sports equipment whilst in use.
	To property left in an unattended vehicle unless all items are hidden from view, all windows are closed and all doors and the boot are locked
	Any bicycle being used for racing or hired by anyone outside your household and loss or damage to pedal cycles unless locked and secured to a permanent structure or motor vehicle when it is not in use outside of the private residence.
	Possessions used for business purposes.

EXCLUSIONS UNDER PART E - FAMILY LEGAL PROTECTION, EMERGENCY PROPERTY ASSISTANCE AND IDENTITY FRAUD

FAMILY LEGAL PROTECTION

	Claims directly or indirectly caused or arising from planning or alteration to buildings.
	Claims arising from a dispute between a landlord and tenant.

IDENTITY FRAUD

Any identity fraud connected with your business, profession or occupation.

EXCLUSIONS UNDER PART F - MULTI TRIP TRAVEL INSURANCE

	There is no cover for trips over 61 days.
	There are a number of activities, practices and winter sports that are excluded - please see paragraphs 2, 3 and 4 in the general exclusions section of Part F.
	Any claim arising directly or indirectly from your failure to comply with the Important Conditions relating to Health found in the policy wording.
	Wilful, self inflicted injury, solvent, drug or alcohol abuse.
	Unlawful actions and any subsequent legal proceedings brought against you.
	Travel to a country or specific area or event which the Foreign and Commonwealth office or the World Health Organisation has advised the public not to travel to.
	Redundancy caused by misconduct, resignation, voluntary redundancy or where notification of redundancy was given prior to the application for this policy.
	Any circumstances known prior to booking the trip that could reasonably be expected to give rise to a claim.
	Treatment or surgery which in the opinion of the medical practitioner in attendance can wait until your return to the United Kingdom.
	Medication, which prior to departure is known to be required.
	Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken.
	Your passport left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.
	Pursuit of any trade, business or profession, or the ownership, possession or use of any vehicles, aircraft or mechanically operated watercraft.
	Strike, industrial action or air traffic control delay publicly declared.
	Strike or industrial action publicly known by the date the insurance is purchased by you.
	Ski equipment contained in or stolen from an unattended motor vehicle between 9 p.m. and 9 a.m. or between 9 a.m. and 9 p.m. unless it is in a locked boot or covered from view in a locked car.