Okuzeka
Insurance vocabulary · Coverage & Exclusions

Wear and tear

Meaning in insurance, with examples

phraseCommon term

In insurance, wear and tear means: The gradual damage that happens to things through normal use and age, which insurance policies usually do not cover.

In Turkish: aşınma ve yıpranma, olağan yıpranma, eskime

How it is used

A standard exclusion in home, motor and equipment policies, and a frequent reason for rejected claims. Adjusters must decide whether damage was sudden and accidental or simply wear and tear.

Example sentences

  1. The roof leak was caused by wear and tear, so the claim isn't covered.

  2. Worn brakes and tyres count as normal wear and tear.

Common collocations

  • normal wear and tear
  • fair wear and tear
  • excluded as wear and tear
  • due to wear and tear
  • exclusionA situation, cause or type of loss that a policy clearly says it does not cover.
  • lossDamage, destruction or a financial cost suffered by an insured person or property, which may lead to a claim.
  • claims adjusterA specialist who investigates a claim, inspects the damage and decides how much the insurance company should pay.
  • home insuranceInsurance for a house or flat and the belongings inside it against risks such as fire, water damage, theft and storms.

This word in other fields

The same English word can have a different meaning in another field:

More terms: Coverage & Exclusions

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