One must read carefully the Exclusions mentioned in the policy because, the scope of insurance cover will be subject to exclusions mentioned therein. In most cases, loss, destruction or damage caused by wilful act or neglect or gross negligence wear and tear and inherent deterioration of machinery war and allied perils are excluded under the policy. There could also be section-specific exclusions that are applicable for that particular section only. E.g. suicide or attempted suicide is not covered under Personal Accident insurance.