Property cover built for letting.

What’s not covered

The fair-warning list.

The exact exclusions are set by the insurer who underwrites your policy, so they can vary. The list below shows the main exclusions you can typically expect — your policy wording sets out exactly what applies to your cover, so please read it.

• —Your excess, shown in your schedule
• —Loss or damage occurring outside the territorial limits (Great Britain, Northern Ireland, the Channel Islands and the Isle of Man), except where stated
• —War, and the discovery, detonation or clearance of munitions
• —Radioactive contamination and nuclear risks
• —Sonic bangs — pressure waves from aircraft travelling at sonic or supersonic speeds
• —In Northern Ireland, loss or damage by riot or civil commotion (other than by fire or explosion)
• —Loss or damage attributable solely to changes in the water-table level
• —Cyber and data events
• —Terrorism — covered only as set out in the separate Terrorism section and its limits

Per-section exclusions also apply

Each section of cover (buildings, loss of rent, property owners’ liability, employers’ liability, personal accident and so on) has its own exclusions, conditions and limits, in addition to these policy-wide exclusions.