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Let Property Insurance Cover

General Conditions



The policy does not cover

(a) Damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss or any liability of whatsoever nature directly or indirectly caused or contributed to by or arising from:-

(i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

(ii) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

(iii) pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

(iv) war invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power.


(b) Damage to any property in Northern Ireland or damage resulting therefrom caused by or happening through or in consequence of:

(i) civil commotion.

(ii) any unlawful wanton or malicious act committed maliciously by a person or persons acting on behalf of or in connection with any unlawful association.


(c) Damage to any property in the United kingdom (other than in Northern Ireland) by fire or explosion occassioned by or happening through or in consequence directly or indirectly of terrorism in excess of:

(i) for commercial premises

1. £100,000 per occurrence in respect of buildings

2. £100,000 per occurrence in respect of contents of common areas

3. £100,000 per occurrence in respect of business interruption or loss of rent

for private dwellings and block of flats

£2,500,000 per occurrence in respect of property damage including resultant loss of rent


(ii) any limit of liability or sum insured stated on the schedule or specification as applying to that premises

whichever is the lower

In any action suit or other proceedings where the Company alleges that by reason of the provisions of this Condition any loss or damage is not covered by this policy the burden of proving that such loss or damage is covered shall be upon the Insured.


(d) Damage or injury (unless specially insured) occurring outside Great Britain, Northern Ireland, the Channel Islands or the Isle of Man


(e) Damage caused by pollution or contamination except (unless otherwise excluded) loss or damage to the property insured caused by

(i) pollution or contamination which itself results from a defined peril

(ii) any defined peril which itself results from pollution or contamination

unless in respect of any cover given under the liability section of the policy where the damage is shown to come within the exception to Exclusion (d) of the liability section, Sub-Section B.




This information is meant as a guide only. The policy you receive may vary depending on your individual circumstances.

Further restrictions and exclusions may apply when the property is unoccupied.

A specimen of the full policy wording is available on request.