What are some general policy exclusions in insurance?

Insurance policies typically include exclusions that outline specific situations, events, or conditions not covered by the policy.  While the specific exclusions can vary depending on the type of insurance and the insurer, here are some common general exclusions found in many insurance policies.

1. Intentional Acts
Damages or losses resulting from intentional, fraudulent, or criminal acts committed by the insured or their associates.

2. War and Terrorism 
Losses caused by war, military actions, insurrections, or terrorism (although some policies may offer optional terrorism coverage).

3. Nuclear and Radioactive Contamination
Damages caused by nuclear reactions, radiation, or radioactive contamination.

4. Wear and Tear
Normal wear and tear, gradual deterioration, or maintenance issues that occur over time.

5. Pre-Existing Conditions
Conditions, damages, or losses that existed before the policy was in effect.

If you've got insurance questions, Westralian Insurance can help.  Give our friendly, professional team a call today on (08) 9302 1388, or visit www.westralianinsurance.com.au