This first main exclusion is not usually listed in insurance policies as insurers think it obvious. If you have an accident, you can only claim if you have a physical injury.
The policy will not pay for a car, property, and animals, damaged or lost. A policy will not pay for inconvenience, lost work, injured pride or anything else like that.
There are common exclusions on most personal accident plans, including
Disability due to, or caused by HIV/AIDS
Normal pregnancy and childbirth
War
Self-inflicted injury- including actual or attempted suicide
Criminal acts
Misuse of alcohol or drugs
Failure to follow medical advice
Residing outside the UK
Taking part in any dangerous or hazardous work, activity, sport or hobby
Driving with more alcohol than is allowed by law
Motorcycling
Engaging in military duty
Many policies limit accidents to those within the UK. Many policies have age limits.
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