An exclusion is a policy stipulation that limits cover for some types of risk. Exclusions restrict the scope of cover provided by the insurance policy. Insurers use exclusions to narrow cover for risks they are unwilling to insure. So when something is excluded from a policy, this means that no cover applies under that policy.
PLEASE NOTE THIS DOES NOT REPRESENT 'FINANCIAL ADVICE' AS EACH PERSON'S INDIVIDUAL REQUIREMENTS WILL BE UNIQUE TO THEIR SPECIFIC NEEDS.