Common use of Policy Exclusions Clause in Contracts

Policy Exclusions. This insurance does not cover claims, losses or expense caused by or arising from: 5.1 the Insured Person committing, or attempting to commit, suicide or any act of intentional self-harm or self-exposure to needless peril (except in an attempt to save human life); 5.2 the Insured Person taking part in civil commotion or riot of any kind; 5.3 war, invasion, act of foreign enemy, hostilities whether war be declared or not, civil war, rebellion, revolution, insurrection, or military or usurped power; 5.4 the Insured Person committing any criminal or unlawful act; 5.5 the Insured Person engaging in active service in the armed forces of any nation; 5.6 the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials by any person; 5.7 an Act of Terrorism or any action taken in controlling, preventing, suppressing or responding to an 5.8 ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; 5.9 the Insured Person taking part in any of activities not stated in the Schedule; 5.10 the intoxication of the Insured Person by means of alcohol or other drugs; 5.11 any medical condition of the Insured Person which was in existence before the start of the Period of Insurance; 5.12 any professional medical, hospital, surgical, manipulative, massage, physiotherapeutic, X-ray or nursing treatment carried out on the Insured Person. 5.13 any practices or activities excluded or forbidden by any professional sports contract to which the

Policy Exclusions. This insurance does not cover claims, losses or expense caused by or arising from: 5.1 the Insured Person committing, or attempting to commit, suicide or any act of intentional self-harm or self-exposure to needless peril (except in an attempt to save human life); 5.2 the Insured Person taking part in civil commotion or riot of any kind; 5.3 war, invasion, act of foreign enemy, hostilities whether war be declared or not, civil war, rebellion, revolution, insurrection, or military or usurped power; 5.4 the Insured Person committing any criminal or unlawful act; 5.5 the Insured Person engaging in active service in the armed forces of any nation; 5.6 the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials by any person; 5.7 an Act of Terrorism or any action taken in controlling, preventing, suppressing or responding to anan Act of Terrorism; 5.8 ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; 5.9 the Insured Person taking part in any of activities not stated in the Schedule; 5.10 the intoxication of the Insured Person by means of alcohol or other drugs; 5.11 any medical condition of the Insured Person which was in existence before the start of the Period of Insurance; 5.12 any professional medical, hospital, surgical, manipulative, massage, physiotherapeutic, X-ray or nursing treatment carried out on the Insured PersonPerson without the prior approval of the Insurer. 5.13 any practices or activities excluded or forbidden by any professional sports contract to which the 5.14 the use of, or inability to use, any application, software or programme in connection with any electronic device (for example a computer, laptop, smartphone, tablet or internet-capable electronic device) whether this is caused deliberately or accidentally. 5.15 coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or any mutation or variation thereof. This exclusion also applies to any claims, losses or expense caused by or arising from: (a) any fear or threat (whether actual or perceived) of; or (b) any action taken in controlling, preventing, suppressing or in any way relating to any outbreak of: coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or any mutation or variation thereof.

Policy Exclusions. This insurance does not cover claims, losses or expense caused by or arising from: 5.1 the Insured Person committing, or attempting to commit, suicide or any act of intentional self-harm or self-exposure to needless peril (except in an attempt to save human life); 5.2 the Insured Person taking part in civil commotion or riot of any kind; 5.3 war, invasion, act of foreign enemy, hostilities whether war be declared or not, civil war, rebellion, revolution, insurrection, or military or usurped power; 5.4 the Insured Person committing any criminal or unlawful act; 5.5 the Insured Person engaging in active service in the armed forces of any nation; 5.6 the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials by any person; 5.7 an Act of Terrorism or any action taken in controlling, preventing, suppressing or responding to anan Act of Terrorism; 5.8 ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; 5.9 the Insured Person taking part in any of activities not stated in the Schedule; 5.10 the intoxication of the Insured Person by means of alcohol or other drugs; 5.11 any medical condition of the Insured Person which was in existence before the start of the Period of Insurance; 5.12 any professional medical, hospital, surgical, manipulative, massage, physiotherapeutic, X-ray or nursing treatment carried out on the Insured Person. 5.13 any practices or activities excluded or forbidden by any professional sports contract to which the 5.14 the use of, or inability to use, any application, software or programme in connection with any electronic device (for example a computer, laptop, smartphone, tablet or internet-capable electronic device) whether this is caused deliberately or accidentally. 5.15 coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or any mutation or variation thereof. This exclusion also applies to any claims, losses or expense caused by or arising from: (a) any fear or threat (whether actual or perceived) of; or (b) any action taken in controlling, preventing, suppressing or in any way relating to any outbreak of: coronavirus disease (COVID-19), severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), or any mutation or variation thereof.