Intent and gross negligence Mallilausekkeet

Intent and gross negligence. If the insured has caused a loss event intentionally or due to gross negligence, AIG’s liability may be reduced or compensation may be refused completely in accordance with what is reasonable for the situation. The policy does not cover loss, injury, damage or legal liability; • sustained directly or indirectly by any individual or entity identified on any applicable government watch list as a supporter of terrorism, narcotics or human trafficking, piracy, proliferation of weapons of mass destruction, organized crime, malicious cyber activity, or human rights abuses; • the loss event is caused by participation in violent industrial action, insurrection or other violent riot in a public space; • the insured is participating in active military, police, militia or peacekeeper operations or practices thereof; • the insured is carrying out duties assigned to flight crew or connected to flight in an aviation accident; • the loss event is caused by an earthquake, volcanic eruption, flood, tsunami, hurricane, tornado or wildfire, landslide, avalanche , or any other natural catastrophe ; • the insured is participating in criminal activity; • the sudden illness was a result of abuse of alcohol or medicine or use of intoxicants; • the insured is involved in a fight, excluding self-defense; • the claim submitted by the insured is due to new laws or instructions specified by Customs or other authorities; • the claim arise from or as a result of civil commotion, strike, lock-out, blockade, riot of any kind, action of government of any country or threat of such event; • any claim arising from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fill any part of their obligation to insured; • Damages compensated legally by motor insurance or an insurance policy of the employer. The Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America.