27Exclusions

#### 27 Exclusions The following are excluded: (a) financial loss, loss of or damage to personal belongings or death, sickness or injury, occurring as a result of: (i) war or warlike activities; (ii) expropriation of any thing; (iii) the use, existence or escape of nuclear weapons material, or ionizing radiation from, or contamination by radioactivity from, any nuclear fuel or nuclear waste from the combustion of nuclear fuel; or (iv) the insured person or a member of the insured person’s travelling party: (A) being under the influence of intoxicating liquor or of a drug, other than a drug taken or administered by or in accordance with the advice of a duly qualified medical practitioner; (B) being addicted to intoxicating liquor or to a drug; (C) taking part in a riot or civil commotion; (D) acting maliciously; or (E) engaging in professional sporting activities; (b) financial loss, loss of or damage to personal belongings or death, sickness or injury, intentionally caused by: (i) the insured person; or (ii) a member of the insured person’s travelling party; or by a person acting with the express or implied consent of any of them; (c) financial loss as a result of: (i) the insured person failing to commence or complete the journey: (A) for financial, business or contractual reasons, being reasons related to the insured person or to a member of the insured person’s travelling party; or (B) because of a sickness, disease or disability to which a person was subject at any time during the period of six months before the contract was entered into and continues to be subject to after that time; (ii) the insured person or a member of the insured person’s travelling party being disinclined to travel; or (iii) contravention of, or failure to comply with, a law (including the law of a foreign country) by the insured person or a member of the insured person’s travelling party; (d) loss of or damage occurring to personal belongings as a result of: (i) depreciation; (ii) wear and tear, mildew, rust or corrosion; (iii) the action of insects or vermin; (iv) mechanical or electrical breakdown or failure of the personal belongings; (v) the personal belongings being cleaned, dyed, altered or repaired; or (vi) in the case of personal belongings that are fragile or brittle—the negligence of the insured; (e) death occurring or injury sustained as a result of a sickness or disability to which the person concerned was subject at any time during the period of 6 months before the contract was entered into and continues to be subject to after that time; (f) death occurring or injury sustained at a time when the person concerned is flying, or engaging in aerial activities, otherwise than as a passenger in an aircraft that is authorised to fly under a law that relates to the safety of aircraft; (g) the insured person or a member of the insured’s travelling party sustaining a deliberately self‑inflicted injury.