Okuzeka
Insurance vocabulary · Coverage & Exclusions

Exclusion

Meaning in insurance, with examples

/ɪkˈskluːʒən/nounCore term

In insurance, exclusion means: A situation, cause or type of loss that a policy clearly says it does not cover.

In Turkish: istisna, teminat dışı hal, kapsam dışı durum

How it is used

Listed in a separate section of every policy wording. Typical exclusions are war, wear and tear, intentional damage and drunk driving. A claim is rejected when an exclusion applies, and customers often say they did not know about it.

Example sentences

  1. Damage caused by gradual water leakage is an exclusion in most home policies.

  2. The claim was declined because the driver had no valid licence, which is a standard exclusion.

Common collocations

  • standard exclusion
  • exclusion clause
  • an exclusion applies
  • list of exclusions
  • war exclusion
  • coverageThe protection a policy gives: which risks, losses and amounts the insurance company will pay for.
  • wear and tearThe gradual damage that happens to things through normal use and age, which insurance policies usually do not cover.
  • policy wordingThe full legal text of a policy, explaining the cover, exclusions, conditions and duties of both sides.
  • perilA specific event or cause that can lead to a loss, such as fire, flood, storm, earthquake or theft.

More terms: Coverage & Exclusions

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This page explains English vocabulary for learners. It is not financial advice.