Clause 24: Strikes Exclusion
In no case shall this insurance cover loss damage liability or expense caused by
24.1 strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions
24.2 any terrorist or any person acting from a political motive.Compare
Comments to ITCH
The perils excluded by clause 24 can be divided into three groups all of which are covered by an insurance governed by Institute War and Strikes Clauses. The three groups of perils are: strikes, locked out workmen or persons taking part in labour disturbances, riots and civil commotions all excluded by CL. 24.1 and thirdly the detonation of an explosive, or any weapon of war by any person acting maliciously or from a political motive. In the last group the requirement that there should be a malicious or political motive means that accidental detonation of an explosive or weapon of war is not excluded. Since ITCH provides cover on a named perils basis this does not mean that such cases are automatically covered. However, if the detonation was caused by a collision or if as is usually the case the Additional Perils clause which covers any accident has been included then there would be cover under a H&M policy.
Comments to NMIP
NMIP Cl. 2-9 sub-clause c