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Policy does not cover
  • No compensation is payable for any disablement that exists at the time of taking the policy. No payment will be made in excess of the sum insured for each individual.
  • Intentional self-injury.
  • Suicide or attempted suicide.
  • Whilst under the influence of intoxicating liquor or drug.
  • Whilst racing on wheels.
  • Hunting
  • Big game shooting
  • Mountaineering or whilst engaged in winter sports or resulting from the insured committing any breach of law with criminal intent.
  • War and nuclear perils.

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