Hehe, just had a thought ... it would be covered by insurance if you were importing a container full of patio heaters and it was blown up without your knowledge or say-so... but then again I'd imagine it would be on a ship at the time, and then there'd be a few other claims too! A warning to those who import cheap BBQ's and heaters from China maybe.
By excluded event I mean you can't claim insurance on something you do on purpose to your
own property, but you can destroy your own stuff to save life or minimise other loss. If you drive your car into a wall on purpose you're out of luck, but if someone drives into you on purpose then you have suffered an unforeseen and accidental (to you) loss. Mind you, Marine insurance works a little different, they also have their own Clauses specific to travel by ship, but in essence today's general insurance is based on the original marine policies. Did you know that insurance was invented by Mariners way back in the day? They all pooled their money together to pay out to one of their own should their ship go down, they had to jettison cargo, or be attacked by pirates yarrrr! Nearly 3000 years later a bloke called Lloyd who owned a coffee shop had a lot of shipping folk inhabit his establishment. Things sort of moved on from there I guess.
OK, back on subject now
