Fortunately Excess Insurance policies have very few exclusions and are very simple policies, however we are asked many times what is not covered and have produced a list of the main points:
Any claim that is refused by your Main Insurance Policy insurers to whom you are claiming, or where the Excess is not exceeded.
Any claim on the Main Insurance Policy which occurred prior to the Purchase Date of this insurance.
Any claim notified to us more than 31 days following the settlement of your claim on your Main Insurance Policy.
Where the property concerned is not your Main Residence (Home Excess only).
Any contribution or deduction from the settlement of your claim against your Main Insurance Policy other than the stated Excess, for which you have been made liable.
In the event of a motor claim and that your accident was caused by a third party to which your current Motor Insurance Excess has been Waived or Reimbursed to you, a claim will not be valid.
Any Excess claim arising from glass repair or replacement to your Motor Vehicle.
Any claim where the Motor Insurance Policy is on the basis of or includes Commercial Travel for example couriers or sales representatives.
A Home Insurance Policy that includes cover for business use.