Wear and Tear Exclusion

Home Insurance policies are designed to protect against sudden or unexpected events such as fire, theft, flood and storm.

A Home Insurance policy doesn’t provide cover for things wearing out or breaking because they’ve not been maintained or have naturally deteriorated over time.

It’s important customers are aware of this exclusion and understand their role in the up-keep of their property, so that in the event of a claim they will be fully covered.



If you have any questions please don’t hesitate to contact your local branch.