Decoding Policy Exclusions: What's Covered and What's Not?

Home insurance policies exclude damage to fences, gates, and hedges caused by weather events like storms or high winds. These structures are often considered high risk and separate from the main building. 

General wear and tear or gradual deterioration due to age or lack of maintenance is typically not covered. Insurance policies are designed to protect against sudden and accidental damage, not the natural aging process of your home or its components. 

It's crucial to understand the difference between policy benefits (what is covered) and exclusions (what is not covered). For example, while your policy may cover damage caused by burst pipes, policies do not typically cover the actual damaged pipe and repair to the pipe. 

Many motor insurance policies exclude coverage for damage or loss related to vehicle modifications or the use of non-standard parts that were not approved by the manufacturer. This could include aftermarket performance upgrades, custom body kits, or non-OEM (Original Equipment Manufacturer) replacement parts. 

Damage or injuries resulting from driving under the influence of alcohol or illegal drugs is typically excluded from coverage. 

If your vehicle is used for unauthorised purposes which are not covered by your policy, such as hiring racing, competitions or rallies, any resulting damage or liability may not be covered. 

Similar to home insurance, motor insurance policies generally exclude coverage for normal wear and tear on your vehicle, such as worn-out tyres or brake pads.