The standard exclusions in a hull and machinery policy are
- War- which also includes damage caused by bumping into a disused mine or torpedo floating around in the sea
- Strikes- which includes not only damage caused by strikes and strikers but also terrorist type risks
- Malicious acts -loss or damage caused by people acting maliciously or from a political motive and either detonating explosives or using weapons of war
- Nuclear – loss or damage arising from a weapon of war employing atomic or nuclear reactions