War Exclusion Clause

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War Exclusion Clause

1. A clause in some life insurance policies stating that the insurer does not have to pay the death benefit if the insured dies from a war-related injury. War exclusion clauses are most common in wartime; they generally cannot be added if a war starts after a policy is issued.

2. A clause in some bills of lading and other transport documents exempting the insurer from paying losses if a ship is damaged or destroyed as the result of an act of war. For example, if a torpedo fires on a ship as part of a declaration of war or other hostile act, the war exclusion clause protects the insurer from covering the value.
References in periodicals archive ?
While no court decisions involving the exact language of the war exclusion clause in the current commercial property form have arisen at this time, decisions involving other, past war exclusion clauses that permit reliable conclusions exist.
The court further stated that even if the group possessed the necessary sovereignty, it was not fighting with another sovereign government at the time of the damage, and therefore, the war exclusion clause could not be invoked by the insurer.
For example, some primary insurers have indicated that they will not seek to rely on war exclusion clauses in their policies, and some may not even invoke exclusions for terrorism.
A number of policies that may be implicated contain war exclusion clauses, one form of which excludes coverage for "war, invasion, civil war, revolution, rebellion, insurrection or warlike operations, whether there be a declaration of war or not.
The court concluded that the war exclusion clause precluded TRT's recovery under the insurance policy because the facts indicated that the armed men participated with the war effort.
Whether or not the attacks were acts of war could also be an issue, since some contracts carry war exclusion clauses.