Liberty Quality Home - house and contents insurance
Article 4 - Risks excluded from all covers
In addition to that set forth in each cover, in general, the following are not guaranteed by the insurance:
a. any accidents caused intentionally by the policyholder, insured, members of their family or individuals who live with them, or when these people were the perpetrators, accomplices or abettoirs (except where otherwise indicated in Section A.5.2 regarding theft by household staff)
b. Any kind of deterioration or indirect damage caused by the accidents
c. Accidents due to a failure to repair, conserve or maintain the home and the installations thereof, totally or partially attributable to the policyholder or the insured.
d. Accidents due to fermentation, fragmentation, oxidation, defects and / or flaws in manufacturing, maintenance or construction.
e. Damage resulting from construction or repair work performed on the insured home
f. Damage and losses arising from the use or occupation of the insured home for purposes other than those of a residential home.
g. The softening, detachment or sliding of the land on which the building is built, except when such events occur as a result of risks covered by this agreement.
h. Damage sustained by moveable assets left outdoors, except for individual television and radio antennas and that set forth for Cover A9. Garden reconstruction and Cover A12. Garden furniture
i. Accidents directlycaused by the mechanical, thermal or radioactive effects of transmutations or nuclear reactions, regardless of the cause thereof
j. Accidents caused by political or social acts, popular commotion, riots, strikes, internal disturbances or sabotage ( except for the terms of Article 3.A.3. Section 3) in civil or international wars, even when they have not officially been declared, armed conflicts, popular or military uprisings, insurrections, rebellions, revolutions and warfare operations of any kind, including military manoeuvres in times of peace.
k. Damage caused by phenomenon that are considered extraordinary according to current legislation. Under no circumstances shall the insurer advance any sum as an indemnity for any accidents covered by the Insurance Compensation Consortium.
l. Deductions and deductibles applied by the Insurance Compensation Consortium.
m. Damage classified as a catastrophe or national disaster by the Spanish Government.
n. Liability for damage caused, directly or indirectly, by any disturbance in the natural state of the air, in ground, marine or subterranean waters, in the soil and subsoik and, in general, in the environment, caused by:
- Emissions, dumping, injections, deposits, escapes, discharges, run-offs, spills or leakage of contaminating agents
- Radiation, noise, vibrations, smells, heat, changes in temperature, electromagnetic fields or any type of waves.
- Toxic or contaminating fumes caused by a fire or explosion.