How might the General Exclusion for disease impact my Household Insurance policy?
For most circumstances that might result in a claim, this general exclusion is expected to have minimal impact.
Here is an example of when you would not be able to claim on your Household Insurance policy:
You have a guest stay in your second bedroom who is later confirmed as having a disease e.g. COVID-19. The window in this room is broken by a storm. The room requires a deep clean, to ensure it is not contaminated, before the damage can be assessed for repair. You are not able to claim for this cleaning.