General Exclusions

An extract of the general exclusions of ComforProtect are reproduced below for your easy reference. For the full terms and conditions of this insurance, please refer to the policy wordings.

Unless otherwise expressly stated or extended in the Policy, this Policy does not insure any consequential loss or any legal liability or any Injury, Illness or disease and Death to the Insured Person directly or indirectly caused by, or contributed to, or arising from:

  • Suicide or attempted suicide, self-injury or wilful exposure to peril (other than in an attempt to save human life).
  • Pregnancy, miscarriage, abortion or childbirth.
  • Infectious Disease (except for COVID-19 cover under Section 2), venereal disease, HIV (Human Immuno Deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivatives or variations of this however caused.
  • Mental and nervous or sleep disorders, including but not limited to insanity or any diagnosed psychological or psychiatric disorder, anxiety or depression.
  • Any Pre-Existing Conditions.
  • The Insured Person being under the influence of drugs (other than those prescribed by a Registered Medical Practitioner but not when prescribed for the treatment of drug addiction).
  • The Insured Person being under the influence of alcohol, unless it can be established to Our reasonable satisfaction by any claimant that alcohol was not a factor contributing to the happening of the Injury.
  • Any willful, malicious, criminal or unlawful acts committed by the Insured Person and/or any person acting on the Insured Person’s behalf.
  • Congenital anomalies and conditions arising out of or resulting therefrom or physical impairment.
  • Air travel, flying or other aerial activities except travelling as a fare paying passenger in a properly licensed, regular scheduled commercial airline operating between established and licensed commercial airports.
  • Any trade, technical or sporting activity in connection with an aircraft and/or vessel.
  • Rafting or canoeing involving white water rapids, bungee jumping, jet skiing, underwater activities involving artificial breathing apparatus such as compressed air or gas, ski racing, backcountry skiing or off-piste skiing, ski jumping, hang gliding, parasailing, parachuting, the use of bobsleigh or skeleton, hunting, pot-holing, mountaineering or rock climbing (except on man-made walls) that ordinarily requires the use of ropes or guides.
  • Motorcycling (as rider or pillion).
  • The Insured Person participating in any terrorism activities.
  • The Insured Person employed as:
    1. professional sportspersons or racer, where the Insured Person would or could earn any remuneration, donation, sponsorship, award or certificate of any kind from engaging in such kind of sport, racing other than on foot or trial of speed or reliability.
    2. full time military personnel, law enforcement officer, civil defence officer, navy or fire fighters.
    3. air crew or pilot.
    4. off-shore occupation such as diver, rig worker fisherman, ship crew.
    5. workers engaged in maintenance, cleaning, roofing or repair activities involving scaffolding or gondola
    6. construction worker at heights above 30 feet or work underground, in tunnels, demolition and quarry worker
    7. in any occupation that requires handling of explosives, ammunitions, firearms, poisonous or hazardous gases or substances.
  • Nuclear weapons material or ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this Exclusions, combustion shall include any self-sustaining process of nuclear fission.
    1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, conspiracy, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
    2. any Nuclear, Chemical, Biological Terrorism. “Nuclear, Chemical, Biological Terrorism” shall mean the use of any nuclear weapon or device or the emission, discharge, dispersal, release, or escape of any solid, liquid or gaseous Chemical agent and/or Biological agent during the period of this insurance by any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious or ideological purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to 16 (a) and/or 16 (b) above.
  • If We allege that by reason of these Exclusions any claim is not covered by this insurance, then the burden of proving that the claim is covered shall be upon the Insured Person.