Exclusion

Exclusions are the defined situations the contract does not cover. They vary by product and by rider, and they are set out in the policy document.

Reading them is the point of the free-look period. An exclusion discovered at claim time is the worst possible moment to learn about it.

Related terms

• Policy document The contract itself. The only document that states what you have actually bought.
• Claim A request for the insurer to pay what the policy promises.
• Rider An optional add-on to a policy, bought for an extra premium above the base cover.

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